Credit Health Hub
Know your score.
Grow your score.
Your free, always-on credit companion — track your score, decode what moves it, simulate improvements, and get personalised nudges.
Updated monthly · Free
Where you stand
Your report at a glance
Credit report snapshot
4
Active accounts
98%
On-time payments
₹3.2 L
Total credit limit
38%
Credit utilisation
3.4 yrs
Avg. account age
1
Enquiries (6 mo)
Score history
Last 8 monthsWhat moves your score
The five factors that matter
You've paid 98% of dues on time.
Aim to keep this under 30%.
Your history is still maturing.
Healthy balance of credit types.
Few recent applications — great.
What-if simulator
See your score potential
Toggle the moves you can make and watch your projected score climb.
Projected score
762
Illustrative — actual impact varies by your full profile.
Personalised for you
Your action plan
Ranked by how many points each move is likely to earn you.
Bring utilisation under 30%
You're using 38% of your limit. Paying down balances is the fastest way to gain points.
Turn on auto-pay for every EMI
One missed payment can undo months of progress. Automate it.
Keep your oldest card open
A longer average age of accounts steadily lifts your score.
Space out new applications
Each hard enquiry can shave off a few points — apply only when needed.
Credit monitoring
Your score went up 8 points this month.
2 days ago
Credit limit increased on your Axis Bank card.
1 week ago
A new enquiry was recorded — HDFC Bank.
2 weeks ago
We alert you to every change on your report.
Unlocked at your score
- Instant personal loans up to ₹25,000
- Faster decisions — often in minutes
- Access to lower interest rates
- Pre-qualified offers from our RBI-regulated partner
Good to know