Best Apps To Check Credit Scores : At some point in time in our lives, we might need the money and the only option is taking loans such as personal loans, vehicle loans, home loans, etc. This is the easiest option as we can repay the loan amount in easy installments monthly. With internet facility, taking loans had become easier.
Just a click and you will get the credit. No going to banks, no standing in queues, no waiting for months to get the loan approved, no hectic at all. Just apply for your loan online, upload your documents and the approval process will get completed within a few hours. It is so easy now. Also, the loan amount can be repaid in easy installments.
But the main concern here is maintaining a good credit score. A credit score is very important for getting your loan approved without any hassle. Now the question arises here that where you can check your credit scores? And for this, I’m here to help. After doing a lot of research I have come up with some amazing platforms or mobile applications, where you can check your credit score in India.
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Before you check the list you should know why you need this credit score?
- The credit score is a parameter on which the lenders will check how responsible are you in repaying your loan.
- Your credit score will denote in numeric.
- The higher number will be in your favor.
- Checking a credit score is safe.
- You can check it to see if you are eligible for a certain amount of loans.
- FICO credit scores are accepted as a reference.
So that you know why you need a credit score, let us check today’s list of top best apps to check credit scores in India. I have picked them after a good amount of research. So have a look:
Here is the list of Best Apps To Check Credit Score In India:
| App Name | Play Store Link |
|---|---|
| Credit Karma | Download |
| Credit Sesame | Download |
| Credit.com | Download |
| CreditWise | Download |
| Experian | Download |
| Mint: Money Manager | Download |
| My FICO | Download |
| TransUnion | Download |
This was my top 8 list for the best apps to check credit scores in India. Going further I will explain in detail every app. All the apps are completely safe to be used. Your data is going to be encrypted with high-end security by expert teams. Be with me until the end of this article to get detailed information.
1. Credit Karma
So today the top app in my list is Credit Karma. It is considered one of the best app to check credit scores.
- On Credit Karma, a credit score can be easily checked for free.
- You will get credit reports from Equifax and TransUnion, which are renowned credit bureaus.
- It will also give you the credit score breakdown, for a better understanding.
- The app will also tell you what factors are going to affect your credit score positively as well negatively.
- You will get alerts regarding any changes in your credit report.
- Weekly updates are provided for your credit report.
- If you feel that there is an error in the report, you can easily raise a dispute directly from the app.
- The app is available for both Android and iOS users.
- You can download the app from below given links.
- The interface is very simple and easy to use.
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2. Credit Sesame
Next comes Credit Sesame on my list. This is indeed a very good app to check your credit scores.
- Here credit score can be checked for free.
- In credit Sesame, you can easily check your credit score, your total loan amount, the amount repaid, and your current interest rates.
- On Credit Sesame, you get the credit report from Experian National Equivalence Report whose range is from 360-840.
- Upon checking your current credit score and account information, Credit Sesame helps you to know how much credit you can get with this score.
- Credit Sesame gives you the credit refinance option too.
- To help you further it will assist you with a credit card, mortgage rates, and sometimes to wave off high interests.
- You can easily download the Android or iOS app from the given links.
3. Credit.com
Next in the list is credit.com. It is another good platform to check credit score online. The platform is very easy to use and even a beginner can use it very effectively.
- On credit.com, you can easily check your credit score for free without spending a single penny.
- The process is completely online.
- You will get the credit report according to the Experian National Equivalence Report and Vantage 3.0.
- The report consists of free parameters like the total loan, payment history, time of loan, accounts, etc.
- It has a grading system for a credit score, which is from A+ to F.
- These reports will tell you what are the faults in your reports and how to improve your credit score.
- I will provide you the download link of the app below.
4. Creditwise
Creditwise is one more great platform where you can easily check your credit scores in India. It is a product of Capital One company.
- On Creditwise credit scores can be checked for completely free.
- The app will provide you solutions for improving your credit scores too.
- You will get weekly updates about your credit score and credit report.
- Creditwise used TransUnion and Vantage 3.0 for preparing reports.
- The app will give you alerts for any changes in your profile.
- Download the Creditwise app from the given link.
5. Mint – Money Manager
Mint is one more gem in this list. This app has gained a very good market. This app will allow you to manage your money and budget.
- Mint is a free tool where you can check your credit score.
- Mint provided credit scores as per Equifax Credit Score.
- You can manage all your finances in one tool.
- It will give you details of your expenditure, finances, payment history, total debt, and much more.
Download the mint app for Android and iOS devices from the above links.
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6. My FICO
FICO is the main standard used in the lending market. It is a globally accepted standard.
- You can download the app from the below links.
- My FICO can be downloaded on both Android and iOS devices.
- But My FICO is a paid app. To check your credit score, you need to pay a certain amount monthly.
- If there is any change in your credit report, you will receive a notification on the app.
7. Experian
Experian is the most popular name in the field of credit lending. It is one of the renowned credit bureaus.
- On Experian, you will easily get your credit scores for free.
- The report will get updated every 30 days.
- Experian report will give you detailed information about your outstanding debt, payment history, credit card, etc.
- You will also be notified when any change takes place in your profile.
- You can download the Android or iOS app of Experian from here.
8. TransUnion
TransUnion is another standard for preparing credit reports and credit scores.
- You can check your credit scores easily with TransUnion app.
- Download the app from here.
- The app will prepare a credit report after considering a few parameters like total debt, repayment history, credit age, etc.
- TransUnion credit score had a range from 300-850.
- Your score should be higher for a positive credit score.
Conclusion:
So this was my top 8 apps to check credit scores in India. I have prepared this list after spending a good amount of time in research. All these apps are safe to be used and they will ensure your data security. All the apps are free except My FICO. You can check any of them. Hope you enjoyed the article.
If you have any query or suggestion leave us a comment below we will contact you as soon as possible.
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