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Everyone with a loan or credit card has a credit score, and staying up to date on yours is crucial. Your credit score affects your major purchases - your car, your house, and even paying for your education. It makes sense to not only track your credit score but also take necessary steps to improve it.

OneScore (ISO 27001 Certified Credit Score & Report App) helps you understand your credit score for free and monitor it regularly. OneScore gives you insights on what makes up your score and alerts you when something changes in your report. Using OneScore does not hurt your Credit Score & Report (but not using it may!).

We understand that your credit score is a key piece of personal information. Don’t worry, unlike other apps who spam you with loan offers, we do not use this information for sourcing loans for financial institutions. None of your information is shared with any third parties or institutions.

No Spam, No Ads, No Unnecessary App Permissions and Trusted for life!

Inconsistent email ids across accounts? Using too much of your credit card limits? Someone enquiring in the Bureau on your behalf? We will highlight all small and large aspects of your score to help you decide if you wish to act upon or change them to improve your score.

Credit Scores in India are provided by Experian, CIBIL, Equifax, and CRIF. OneScore currently shows the Experian credit score.

Key Features:

◼ Free Credit Score & Report: Track your score on the go and understand the factors that impact your score. Your score will be updated every month.

◼ Credit Score Insights: OneScore will analyze and highlight any aspects that need your attention.

◼ Score Planner: Use our planner to get useful insights on how to improve your score.

◼ Ad Free Score: No pesky calls for loans. No spam. No unnecessary app permissions. And the best of all, no tedious Advertisements.

◼ Safe and Secure: Totally Safe and Secure. None of your information is shared with any third parties or institutions.

Credit Score Basics:

◼ A credit score is calculated based on the data that is provided by the lending institutions to the bureaus. These include banks like Axis, HDFC, ICICI, IDFC and SBI as well as NBFCs like Bajaj Finance, Magma, Tata Capital, Home Credit, Muthoot, and others.

◼ A credit score indicates your creditworthiness to potential lenders such as banks and mortgage lenders. It indicates how responsible you are likely to be in paying off your balances. It depicts your likelihood to repay debt.

◼ Keeping a good credit score is beneficial while applying for a job. Employers check credit scores to check how responsible the candidate is before hiring.

◼ Credit is scored on a scale that ranges from 300 to 900. The higher the number, the better off you are. Get started on your credit journey here!

Who can enroll on OneScore?

Anybody with a loan or credit card can get OneScore and check their credit score. You need to be over the age of 18 with a valid PAN card number that can be matched to a credit profile from the Experian credit bureau.

What info do I need to have handy when I sign up?

To sign up, we'll ask you for some basic personal information such as your mobile number, email ID and name. Next, we will authenticate you with a One Time Password (OTP) sent to your registered mobile number. In case we are not able to find your credit report, we may ask you for some additional information such as your PAN Number, Date of Birth.

Will using OneScore hurt my credit score?

It won’t. You can use all OneScore features without hurting your credit score.

What will OneScore do with my Credit Score data?

Unlike many other apps, OneScore will NOT spam you with calls for loans or third-party products.

What’s New

Version 3.7.8

- We have a big update. You can now check your CIBIL score along with Experian Score in OneScore.
- Bug fixes & improvements for speed.

Ratings and Reviews

4.7 out of 5
724 Ratings

724 Ratings

ManiVenkit ,

Good application

Good app, only crib is that we have access to Experian report only why not CIBIL, Equifax and CRIF report all at the same time maybe updated once three months or so if not possible every month. Experian report doesn’t even have many of the data that gets updated monthly in CIBIL, so I would consider this to be incomplete report though it inflates your score. In my case it is 841 for Experian, 807 for CIBIL and 817 for CRIF. Could never access Equifax.

Phsfboys ,

Should I Uninstall ?

So, I have reached a score of 861 in 1 month from 749.

Your alto suggested it is impossible. But, impossible happened.

So, now what ? There is no additional features or suggestions or hacks to keep a healthy credit score.

Expand the app so it has some use forever at whatever the credit score customers have otherwise they will be forced to uninstall the app soon after reaching a goal they have in mind.

Suggestion :Try to retain installations for longer.

Great app ! Highly recommended for new card users to build a healthy score ! :)

Joycemon ,

Good idea but needs improvement!!

Just Experian score available but non from the others. Also, OneCard application is not available at the moment. Many of the card limits are not available in order to view it as consolidated limit across all cards. Interface is very though very minimalist and nice, would love to see more detailed analysis on the score and possible changes in the score if I apply for another card or increase my card limit or cancel a card etc

Developer Response ,

Thanks for the valuable feedback, I'll share the same with our team for enhancing OneScore experience. OneCard is being rolled out in phases, android application is already out, and currently we are working on releasing the iOS version of the app. - Swapnil


FPL Technologies Private Limited
40.5 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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