Everything you need to fix your score — In one app
Your Credit Score, Simplified
- Check your credit score instantly and get your full report
- Clear insights into what's helping or hurting your score
- AI explains everything in simple terms
Personalized Action Plan
- Get personalized video advice based on your credit report
- Follow step-by-step guidance tailored to your goals
- Know exactly what to do and when
Settle Debts & Clean Your Record
- Take real action beyond just tracking
- Negotiate settlements on defaulted loans through the app
- Clean your record and move forward with confidence
Smart Payment Reminders
- Smart alerts keep you on track with all payments
- Pay instantly through the app to avoid delays
- Maintain healthy credit with consistent on-time payments
All Credit Accounts in One Place
- View and manage all credit accounts from one dashboard
- Track payments, set reminders, and make one-tap payments
- Manage your entire credit life effortlessly
Key Factors That Impact Your Credit Score Health
Payment History
Late or missed payments can severely damage your score.
Credit Utilization Ratio
Using too much of your available credit signals risk.
Length of Credit History
A long and consistent credit history contributes to a higher credit score.
Credit Mix
A balanced mix of credit cards, loans, and EMIs boosts your credit score.
New Credit Inquiries
Multiple loan or card applications in a short span lower your score.
Better Score = Better Savings
Buying a House
650 vs 760 Credit Score
Buying a Car
650 vs 760 Credit Score
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Buying an iPhone
650 vs 760 Credit Score
Frequently Asked Questions
FixMyScore helps you take control of your credit journey and improve your score with ease. Powered by CRIF – one of the four credit bureaus authorized by the Reserve Bank of India – our AI-powered credit improvement app offers personalized video plans, timely payment reminders, simplified debt settlement, and powerful credit management tools – all in one place.
With FixMYScore, most users see noticeable improvements within 90 days. While it usually takes 3–6 months to build a good score, our smart, personalized plan can speed things up.
We help you stay on track with payments, reduce unnecessary spending, and avoid new credit inquiries. By following our custom plan, you will build stronger financial habits and see faster, lasting results.
Unlike generic credit apps, FixMyScore offers:
- AI-powered personalized video plans tailored to your exact credit report
- Integrated payment management to never miss EMIs again
- All-in-one dashboard to manage multiple credit accounts
- Real debt settlement services to clean your credit record
- Clear score improvement roadmap with step-by-step guidance
Our personalized AI video plan provides bite-sized, actionable advice tailored to your unique credit situation. With step-by-step guidance, you will know exactly what to do to improve your credit score.
Simply sign up, verify your identity through basic information (name, DOB, PAN), and get instant access to your comprehensive credit report and current score.
We partner exclusively with authorized bureaus like CRIF, ensuring you receive accurate, trusted, and timely credit reports.
A credit score is a numerical representation of your creditworthiness, which reflects your financial health based on your credit history. It generally ranges from 300 to 900. Higher scores, such as 750, indicate stronger creditworthiness and a lower risk to lenders.
A credit score above 700 is usually considered good. But since each bank or NBFC has its own rules, it is best to check with them directly.
A good credit score can help you secure loans at lower interest rates, qualify for premium financial products, and demonstrate reliability to lenders and financial institutions.
Benefits of a higher score include:
- Lower interest rates on loans and credit cards
- Higher loan approval chances
- Better credit card offers
- Faster loan processing
A credit report is a detailed record of your borrowing history—like loans, credit cards, and payment habits.
A credit score is a number based on that report. It sums up how good you are at managing credit
Your credit score is based on several key factors:
- Payment history (35%) – Paying bills on time has the greatest impact.
- Credit utilization (30%) – Using a small portion of your available credit helps your score.
- Length of credit history (15%) – The longer you've had credit, the better.
- Types of credit (10%) – A mix of credit cards, loans, and other accounts is beneficial.
New credit (10%) – Too many recent credit applications can hurt your score.
Maintaining on-time payments and keeping balances low are the most effective ways to improve or maintain a healthy credit score.
Your credit score is influenced by payment history, amounts owed, length of credit history, new credit inquiries, and types of credit accounts you maintain.
While a higher credit score significantly improves your chances, loan approval depends on multiple factors:
- Credit score (most important factor)
- Income stability and debt-to-income ratio
- Employment history
- Existing loan obligations
- Lender-specific criteria
No, checking your credit score via FixMyScore is considered a soft inquiry and does not impact your credit score.
Yes, settling old debts positively impacts your credit profile by removing negative entries and significantly boosting your score.
With our debt settlement feature, FixMyScore helps you:
- Negotiate with lenders for reduced settlement amounts
- Handle defaulted loans and unpaid dues directly through the app
- Get professional support throughout the settlement process
This is a unique feature that goes beyond just monitoring your credit.
FixMyScore provides real-time alerts and smart reminders for your EMIs and credit card payments. You can also pay instantly within the app, ensuring consistent on-time payments.
Our system sends multiple reminders to ensure you don't miss payments. If you miss a payment, FixMyScore will provide guidance to mitigate the impact on your credit score.
At FixMyScore, your data security is our highest priority. We use advanced encryption and strict privacy protocols to protect your personal information. We access only the data essential to improving your credit—and only with your explicit consent.
FixMyScore’s intuitive dashboard allows you to view, manage, and track all your loans and credit cards in real-time, all from a single convenient interface.
Our dedicated support team is available through in-app chat or via email to promptly address your queries and issues.
Security you can trust
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Trusted Partners
We work only with authorized credit bureaus such as CRIF to ensure accurate, legitimate credit reports.
Bank-Level Security
Your information is protected with 256-bit encryption and strict privacy protocols.
You are Always in Control
We access only the information necessary for your credit improvement, and only with your explicit consent.
Subscribe and Fix Your Score to 750+
Whether you are building credit for the first time or recovering from loan rejections, FixMyScore is here to guide you every step of the way.
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