At ScoreUp, instantly check your credit score, get your full credit report, and receive expert-backed guidance to reach your financial freedom faster.

Access Your Detailed Credit Report + Personalised Video Plan:
With ScoreUp, you don’t just get a number — you will get a clear step-by-step plan to improve your credit score and a complete analysis of your credit profile.
Our team breaks down your credit data account by account and delivers a custom video with actionable insights to help you reach your target score.

Powered by RBI-Approved Credit Bureaus:
Your credit score on ScoreUp is powered by Equifax — India’s licensed credit bureaus authorised by the Reserve Bank of India (RBI).

How ScoreUp Works
Your credit score is determined by how you manage credit. ScoreUp helps you understand all the key elements of your credit report, such as:
- Repayment history
- Loan and credit card accounts
- Outstanding balances
- Defaults, if any
- Credit utilisation ratio
- Type of credit (secured vs unsecured)
- Recent loan or card enquiries
We review all your active and closed accounts to detect trends, identify issues, and guide you on the right path with expert advice.

ScoreUp’s Credit Score Builder Includes:
- Monthly monitoring of your credit score and detailed reports
- Highlighting factors that are affecting your score negatively
- Tips to maintain and improve your credit score
- A monthly check-in to track your financial decisions and credit activity

Check Your Credit Score Anytime:
With the ScoreUp app, you can check your credit score whenever you want.
Powered by major credit reporting agencies in India.
Coming Soon: We’re also adding CIBIL and Experian, so you’ll soon be able to view your CIBIL score too, all in one place.

Benefits of Using ScoreUp:
With ScoreUp, you stay in control of your credit health:
- Instantly check your credit score and full report
- Receive easy-to-understand video insights
- Monitor all your loan and credit accounts in one place
- Set up smart reminders for EMI and bill payments
A good credit score improves your eligibility for credit cards and loans from India’s top banks like HDFC Bank, SBI, ICICI, Axis, PNB, IDFC First Bank, IndusInd Bank, Federal Bank, Bandhan Bank, RBL Bank, and more.

CRIF & Experian vs CIBIL – What’s the Difference?
CRIF High Mark, Experian, and CIBIL are separate entities, but all are RBI-authorised credit bureaus. While they operate independently, they use similar factors to calculate credit scores:
- Your payment history
- Your total debt
- Mix of loan types
- New credit applications
So, maintaining a strong credit profile with one bureau often results in good scores across all others as well.

Your Data, Fully Secured
To help you manage your financial activity, ScoreUp requests access to transactional SMS only — like payment confirmations and EMI alerts.
- This helps us track your repayments and remind you on time
- We don’t read promotional or personal messages
- We never share your data with anyone
- All data is stored securely with bank-grade encryption

Important Note:
ScoreUp is not a credit repair company.
All recommendations provided in the app are educational and based on your actual credit report to help you make informed decisions.