See your credit profile exactly as lenders see it. Fix issues, improve your score, manage EMIs, and get AI-powered insights to build a stronger financial future.
Ryvo is not just another credit score app.
It is your personal AI-driven credit expert that helps you understand, improve, and manage every part of your credit life — from repayment behavior to account history, FOIR, and eligibility. Using advanced AI models trained on lending frameworks, Ryvo decodes complex credit information into simple, actionable insights.
Ryvo’s mission is simple:
To give every Indian access to a clear, transparent, and empowering credit journey.

✅ 1. AI-Powered Lending View
Ryvo simulates the way lenders interpret your credit profile, giving you:
A clear “lender-style” evaluation
Credit risk flags
Strength indicators
Improvement recommendations
Probability of approval signals (non-lender-specific)

This helps you know where you stand before you apply.

✅ 2. Deep Insights on All Credit Score Components
Understand the truth behind the metrics lenders care about:
Payment History & DPD
FOIR / Debt-to-Income Ratio
Active Credit Accounts
Credit Mix (Secured vs Unsecured)
Credit Utilization Ratio
Vintage of Accounts
Previous Defaults or Settlements
Enquiries & Hard Pulls
EMI Bounce Risk Indicators

Ryvo doesn’t stop at showing the numbers — it explains the meaning, impact, and cure.

✅3. Fix Wrong or Unfair Loan Entries With AI
If your report has:
A loan you never took
A dispute
Incorrect overdue
Wrong dates
Closed loan still shown as active
Incorrect repayment history

Ryvo’s AI drafts professionally structured dispute letters you can send to credit bureaus and lenders.
This saves you weeks of struggle and confusion.

✅ 4. Personalized Score Improvement Plan
Ryvo creates a customized roadmap based on your credit behavior:
What to fix first
What to avoid
How to improve repayment discipline
When to reduce utilization
How to build a strong vintage
When and what type of loan to close
Which actions may reduce approval chances
This replaces guesswork with clarity.

✅ 5. Advanced FOIR Analysis
Most users don’t know FOIR is more important than score.
Ryvo shows:
Your FOIR percentage
Ideal FOIR range
How lenders see your repayment capacity
Steps to improve it
This increases your chances of approval for future credit.

✅ 6. Alerts on Credit Report Changes
Whenever your:
Score changes
New loan gets added
Loan gets updated
Enquiry happens
EMI gets reported
DPD is added
Overdue status changes
…you get instant alerts.
No surprises. No hidden changes.

✅ 7. All Credit Factors Clearly Explained
Every section of your credit profile comes with simplified, human-friendly definitions:
Payment Behavior
Get clarity on how your repayment pattern is influencing your score.
Credit History Length
Understand how old accounts improve your score over time.
Credit Accounts
See the ratio of secured vs unsecured credit — and its impact.
Credit Inquiries
Know which enquiries matter and which ones don’t.
Credit Utilization
Learn the ideal usage percentage and how to maintain it.
Every insight includes real-world examples so you understand exactly what’s happening.

✅8. Your Personal AI Credit Expert
Ryvo becomes your on-demand financial coach for:
Understanding loan eligibility
Preparing for bank applications
Improving document readiness
Drafting letters for disputes
Explaining bureau terminology
Planning your annual credit-building journey
Clarifying how lenders judge risk

Whenever you feel lost, just ask — Ryvo explains it simply.

Contact : [email protected]