Credit Score Check and Report

Credit Score Check and Report is a free personal finance app that helps you estimate your credit score, understand the factors behind it, and take control of your financial health - all on your device, with complete privacy.

CREDIT SCORE ESTIMATOR
Complete a guided 5-step assessment covering employment, income, debt, credit utilization, and payment history. Get an estimated score in the 300-900 range instantly. All calculations happen on-device. Nothing is sent to any server.

SCORE HISTORY AND GOAL TRACKING
Every assessment is saved locally. Set a personal target score and track your progress over time with a visual chart and progress indicator.

WHAT IF SCORE SIMULATOR
See how financial decisions could affect your score before you make them. Simulate scenarios like:

• Paying off debt
• Opening a new credit card
• Missing a payment
• Taking a new loan
• Adjusting credit utilization

15+ FINANCIAL CALCULATORS
Everything you need in one place:

• EMI Calculator - plan monthly loan payments
• Loan Comparison - compare two loans side by side
• Debt Payoff Planner - snowball or avalanche method
• Credit Utilization Calculator
• RD Calculator - Recurring Deposit returns
• FD Calculator - Fixed Deposit returns
• SIP Calculator - Systematic Investment Plan
• Emergency Fund Calculator
• Budget Tracker
• Retirement Planner
• EPF Calculator
• NPS Calculator
• PPF Calculator
• Gratuity Calculator
• Compound Interest Calculator

CREDIT EDUCATION ACADEMY
Learn everything about credit through structured articles across 6 categories:

• Credit Basics
• Credit Repair
• Loan Basics
• Identity Theft Protection
• Budgeting
• Wealth Building

Plus 21 expert tips organized into Beginner, Intermediate, and Advanced levels. Track your reading progress as you go.

CREDIT GLOSSARY
Search and browse 24+ credit and finance terms with clear, simple definitions. From Credit Score and EMI to Debt to Income Ratio and Charge Off.

FINANCIAL HEALTH SCAN
Quick assessment to evaluate your overall financial health across key dimensions.

CREDIT BREAKDOWN
After your assessment, see a detailed breakdown of all 5 credit factors:

• Payment History (35%)
• Credit Utilization (30%)
• Credit Age (15%)
• Credit Mix (10%)
• Recent Inquiries (10%)

Each factor includes a score, impact level, and actionable improvement tips.

APPROVAL PROBABILITY
See your estimated approval chances for common credit products including credit cards, personal loans, car loans, home loans, and more based on your score.

BENCHMARKING
Compare your estimated score against a national average reference to understand where you stand.

100% PRIVATE AND ON DEVICE
No account required. No login. No data collection. All your financial data stays on your device only. Reset everything anytime with one tap.

DISCLAIMER: This app provides estimated credit scores based on user entered data using a general scoring model. It is not affiliated with any official credit bureau including CIBIL, Experian, Equifax, or CRIF. Scores are for educational and self assessment purposes only and do not represent your actual bureau credit score.