FixMyScore: Improve your Credit Score to 750+ in 90 Days
AI-Powered Credit Insights, Personalized Video Plans, Simplified Payments, and Expert Debt Settlement Support—All in One App
Everything you need to fix your score — In one app
FixMyScore is an AI-powered credit score improvement platform trusted by thousands to help transform their financial future. Powered by CRIF, one of India's four authorized credit bureaus, our smart app combines advanced AI credit analysis with personalized guidance to help you build a stronger credit score and financial profile—faster than traditional methods.
Your Credit Score, Simplified by AI
- Check your credit score instantly and get your full report
- AI-powered insights reveal what's helping or hurting your score
- Complex credit metrics, made simple and actionable
Personalized AI Video Action Plan
- Get personalized AI 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 credit score
- 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 credit payments
- AI learns your payment patterns and sends reminders at optimal times
- 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 with AI-powered analytics
Boost Your Score to 750+ in 3 Simple Steps
Key Factors That Impact Your Credit Score Health
Understanding what impacts your credit score is the first step toward improving it. Our AI analyzes all these factors to give you a complete picture.
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
Happy Customer Journeys
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- Meet the FixMyScore App
- OTT, BNPL & EMI - Sab Control Mein
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- Be Shadi Ready with FixMyScore
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- Apna Dream Home Reality mein Badlo
- Credit Score Fix = Sapne On Track
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- Credit Score Ko Banao Apna Best Friend
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- Credit Score Hero = FixMyScore
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 personal and financial information is your most valuable asset. FixMyScore protects it with enterprise-grade security.
You are Always in Control
We access only the information necessary for your credit improvement, and only with your explicit consent.
Frequently Asked Questions
FixMyScore is an AI-powered credit score improvement app built for India. It gives you your full credit report from CRIF (one of the four RBI-authorized credit bureaus), uses AI to pinpoint exactly what's helping or hurting your score, and delivers a personalized video action plan to help you reach 750+. Beyond tracking, it lets you settle old or defaulted loans and set smart payment reminders — all in one app.
Most users can see meaningful improvement within 90 days, though the exact timeline depends on your starting score and credit history. Credit bureaus typically update every 15–45 days, so changes like clearing dues, correcting report errors, or lowering credit utilisation start reflecting within one to two cycles. FixMyScore accelerates this by showing you the highest-impact actions first through your AI video plan. Serious issues like settled or written-off accounts take longer to resolve, but the app guides you through each step.
Most credit apps only show you a number. FixMyScore takes real action to improve it. Three things set us apart: a personalized AI video plan that tells you exactly what to do and when (not generic tips), built-in debt settlement support to negotiate and clean up defaulted loans directly in the app, and AI-powered reminders that help you never miss a payment. It's the difference between monitoring your score and actually fixing it.
After FixMyScore analyses your CRIF credit report, our AI generates a short video explaining your specific situation in plain language — what's pulling your score down, and the exact steps to fix it, prioritised by impact. Instead of confusing charts or one-size-fits-all advice, you get a clear, personalised roadmap tailored to your goals, so you always know what to do next.
Checking your score takes under two minutes. Download the app, verify your phone number with an OTP, and securely share your basic details (name, date of birth, PAN). FixMyScore instantly pulls your full credit report from CRIF. Checking your own score this way is a soft inquiry, so it never affects your credit score.
FixMyScore partners exclusively with CRIF High Mark, one of the four credit bureaus authorized by the Reserve Bank of India (alongside TransUnion CIBIL, Experian, and Equifax). This ensures the credit report and score you see are accurate and reflect the same bureau-grade data that lenders use when evaluating your applications.
A credit score is a numerical representation (usually 300-900) of your creditworthiness based on your credit history and financial behavior. It reflects your financial health and demonstrates to lenders how likely you are to repay borrowed money.
Key Points:
- Range: 300 (poor) to 900 (excellent)
- Purpose: Lenders use it to decide whether to approve loans and what interest rate to offer
- Higher Score = Lower Risk in the eyes of lenders
Your credit score affects: Loan approval chances, interest rates offered, credit card limits, and even some insurance rates.
A credit score above 700 is generally considered good in India. However, the exact requirements vary by lender:
- Below 600: Very difficult to get approved for loans
- 600-650: Challenging; may get approved at high interest rates
- 650-700: Acceptable; may face higher interest rates
- 700-750: Good; better loan terms available
- 750+: Excellent; best loan rates and terms
Note: Different banks and NBFCs have their own credit score requirements and criteria. Check with your lender for their specific requirements.
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
These two terms are related but different:
Credit Report:
- A detailed record of your entire borrowing history
- Lists all your loans, credit cards, payment history
- Shows late payments, defaults, settled debts
- Shows hard inquiries and credit-seeking behavior
- Prepared by credit bureaus (CRIF, etc.)
- Shows facts and history
Credit Score:
- A single number (300-900) calculated from your credit report
- Summarizes your creditworthiness in one number
- Based on factors like payment history, credit utilization, etc.
- Updated monthly
- Used by lenders to make quick decisions
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 — On-time or late payments
- Amounts Owed — How much credit you're using
- Length of Credit History — How long you've had credit
- Types of Credit — Mix of different credit products
- Recent Credit Inquiries — New credit applications
FixMyScore tracks all of these factors and shows you exactly how each one impacts your score.
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 on FixMyScore is a soft inquiry and does not impact your credit score in any way.
Important Distinction:
Soft Inquiry (doesn't hurt your score):
- Checking your own credit score
- Background checks by employers
- Preapproved credit offers from lenders
Hard Inquiry (does hurt your score):
- You applying for a new loan
- You applying for a new credit card
- Lenders pulling your report for approval decisions
You can check your FixMyScore as many times as you want without any negative impact.
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.