Credit Score
Get your Credit Score for FREE
- Get attractive loan and credit offers
- Checking your credit score does not impact your score
- Your data is secure with us. We do not spam you with marketing calls
Where the score comes from Your score and report are pulled from an RBI-licensed credit information company. Activ Paisa does not calculate the score itself.
782
out of 900
24 points this month
Illustrative only
What you get
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Free Monitoring
Get your credit score for FREE in just a few seconds. Report and analysis in one place.
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Detailed analysis
Get a detailed credit report with active loans and your payment history.
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Tips & Tricks
Personalised insights and good practices to improve your score, based on your credit history.
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Safe & Secure
Your personal information is encrypted, and is never sold on to third parties.
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Exclusive Loan Offers
See the loan offers our partner lenders will make against your score.
What is a good Credit Score?
Generally, a score above 600 is considered a good score. With this score you can qualify for credit offers from different banks and NBFCs. The score is indicative of your credit health, as explained in the table below.
| Credit Score | Credit Score Health / Implication |
|---|---|
| 300–600Poor |
|
| 600–750Fair |
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| 750–AboveGood |
|
What is a Credit Score?
How to improve it
- Clear every EMI and card bill on or before the due date — set a standing instruction
- Keep card usage under 30% of the limit, and do not close your oldest card
- Space out loan applications, and dispute anything wrong on your report
Our other products
What your score can get you.
Personal Loans
A lump sum up to ₹50 Lakhs from 9.99% p.a., repaid in fixed monthly instalments.
Salary Credit Line
A pre-approved limit against your salary. Interest only on the amount you draw.
Credit Card Payoff
Clear an expensive card balance with a lower-rate loan and stop paying revolving interest.
Frequently Asked Questions
A three-digit number between 300 and 900 that sums up how you have handled credit so far. Lenders read it as a shorthand for how likely you are to repay what you borrow.
Pay every EMI and card bill on time, keep card usage below about 30% of the limit, hold on to your oldest account, and space out new applications. Improvement is measured in months, not days.
Payment history carries the most weight, followed by how much of your available credit you use. The age of your accounts, the mix of secured and unsecured credit, and recent hard enquiries account for the rest.
The record the score is calculated from: every loan and card in your name, the balance on each, your repayment history month by month, and the enquiries lenders have made about you.
The report is the evidence; the score is the summary. Two people can share a score and have very different reports, which is why lenders read both.
Lenders report to the bureaus monthly, so your score here refreshes about once a month. A repayment made today will not show up the same week.
No. Checking your own score is a soft enquiry and leaves it untouched, however often you look. Only a formal application to a lender records a hard enquiry.
Each bureau runs its own model, and not every lender reports to all four. A gap of a few dozen points between bureaus is normal and not a sign that either is wrong.
Not usually. With no credit history the bureaus return “no score” rather than a low one. A first card or a small consumer loan, repaid on time, builds a record within six months.
Most partner lenders start looking seriously at 700, and the keenest rates go to 750 and above. Below 650 an unsecured loan is difficult, though not impossible if your income is strong.
Raise a dispute with the bureau that issued the report, with proof, and tell the lender that reported it. The bureau has 30 days to investigate under RBI rules. Errors are more common than people expect, and worth chasing.
Write to grievance@activpaisa.com from your registered email. We stop fetching your score and delete the report we hold, though records we must keep by law are retained.