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Check Your Credit Score for FREE!

FatakPay app showing 850 credit score and verified credit report summary

What Does Your Credit Score Mean?

Excellent

Above 790

Excellent

Responsible credit behaviour. Eligible for favourable credit loan

Very Good

771 - 790

Very Good

Indicates strong creditworthiness and a high likelihood of loan approval with favorable terms

Good

731 - 770

Good

Responsible credit behaviour. Eligible for favourable credit loan

Average

681 - 730

Average

Responsible credit behaviour. Eligible for favourable credit loan

Poor

Below 681

Poor

Responsible credit behaviour. Eligible for favourable credit loan

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What is Credit Score?

A credit score is a three-digit number that represents your creditworthiness. It helps lenders determine how likely you are to repay a loan on time. The higher your credit score, the better your chances of getting approved for a personal loan or other financial products.

FatakPay simplifies the loan application process, even if you're new to understanding credit scores. Whether you're applying for a loan through an instant loan app or a personal loan app, maintaining a good credit score is essential for securing better terms and lower interest rates.

Man is checking his credit score of 792 on a digital device with a concerned expression.

How To Improve Your Credit Score?

Credit score improvement screen displaying an 850 score on the FatakPay app
Pay Bills on Time
Timely payments on credit cards, loans, and utilities build a strong repayment history.
Avoid Multiple Loan Applications
Too many loan inquiries can temporarily lower your score.
Check Your Credit Report Regularly
Monitor your report for errors and dispute inaccuracies promptly.
Keep Credit Utilization Low
Use less than 30% of your available credit limit to show responsible credit usage.
Use Financial Tools Wisely
Apps like FatakPay help you manage credit score and provide quick, responsible loans for urgent needs.
Pay Bills on Time
Timely payments on credit cards, loans, and utilities build a strong repayment history.
Avoid Multiple Loan Applications
Too many loan inquiries can temporarily lower your score.
Check Your Credit Report Regularly
Monitor your report for errors and dispute inaccuracies promptly.
Keep Credit Utilization Low
Use less than 30% of your available credit limit to show responsible credit usage.
Use Financial Tools Wisely
Apps like FatakPay help you manage credit score and provide quick, responsible loans for urgent needs.
Credit Score Improve Image

Why Keep Track of Your Credit Score?

Better Loan Approvals
Better Loan Approvals

A good credit score increases your chances of getting approved for instant personal loans and accessing loans from the best loan apps at favorable terms.

Lower Interest Rates
Lower Interest Rates

Lenders offer lower interest rates to borrowers with higher credit scores, saving you money over time.

Early Error Detection
Early Error Detection

Regularly checking your credit score helps you spot inaccuracies in your credit report and resolve them quickly.

Improved Financial Decisions
Improved Financial Decisions

Knowing your credit score allows you to plan better for future loans and manage credit responsibly.

Access to Premium Services
Access to Premium Services

High credit scores unlock exclusive financial products from the best personal loan apps or online loan apps, tailored to meet your needs.

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Instant Loan

For All Your

Emergency Needs

Fast. Simple. FatakPay!

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Made For India’s Hardest Worker

Happy customers are our true wealth

A

Ankit Sharma

5 July 2025

Pehle mujhe pata bhi nahi tha mera credit score kitna hai. FatakPay se check kiya aur tips bhi diye improve karne ke. Bas 6 mahine follow kiya aur score 608 se 710 ho gaya.

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Neha Kulkarni

11 June 2025

Checking my score on FatakPay has become a monthly habit. With loan repayment reminders, I never missed a due and my credit score has increased. Now I could also get a personal loan easily at a lower rate.

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Rohan Verma

22 May 2025

My score was stuck at 640, and my loan applications were getting rejected by banks. But thanks to FatakPay’s instant loans, my score improved! Instant alerts also helped me avoid late payments.

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Kunal Mehta

18 June 2025

I like that FatakPay doesn’t just show score but motivates improvement. Instant alerts helped avoid late payments. 5 months mein 80 points increase hua. Anyone serious about finances should try this.

Customer card Image 4
A

Ankit Sharma

5 July 2025

Pehle mujhe pata bhi nahi tha mera credit score kitna hai. FatakPay se check kiya aur tips bhi diye improve karne ke. Bas 6 mahine follow kiya aur score 608 se 710 ho gaya.

Customer card Image 5
N

Neha Kulkarni

11 June 2025

Checking my score on FatakPay has become a monthly habit. With loan repayment reminders, I never missed a due and my credit score has increased. Now I could also get a personal loan easily at a lower rate.

Customer card Image 6
R

Rohan Verma

22 May 2025

My score was stuck at 640, and my loan applications were getting rejected by banks. But thanks to FatakPay’s instant loans, my score improved! Instant alerts also helped me avoid late payments.

Customer card Image 7
K

Kunal Mehta

18 June 2025

I like that FatakPay doesn’t just show score but motivates improvement. Instant alerts helped avoid late payments. 5 months mein 80 points increase hua. Anyone serious about finances should try this.

Customer card Image 8

FAQs

How can I check my credit score in the app? Does checking my score affect it?

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You can check your credit score from the “Credit Score” section in the app dashboard. You will be prompted to grant access to FatakPay to further access your credit information from RBI approved bureaus. Checking your credit score through FatakPay is considered a soft inquiry and does not impact your score in any way.

How is my CIBIL/credit score used?

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Your score helps assess creditworthiness. Higher scores improve loan approval chances, get you better interest rates, and allow higher loan amounts and tenor.

Does a loan availed through FatakPay affect my credit score?

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Yes. Any loan you take through FatakPay is reported to the credit bureaus by its NBFC/Banking Partners, and it directly impacts your credit score.

  • Timely repayments can improve your score
  • Delayed or missed repayments can reduce it
Maintaining good repayment discipline is essential for long-term credit health.

What are the different credit bureaus that FatakPay reports to?

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We report your loan activity to all four major credit bureaus in India:

  • TransUnion CIBIL
  • Experian
  • Equifax
  • CRIF HighMark

These are RBI-licensed agencies that track your loan, credit card, and repayment behavior.

What is the usual timeframe for updating my credit status with these bureaus?

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As per RBI directive all our NBFC/Banking partners are required to submit updates on all current loans given on a fortnightly basis to all four credit bureaus. Changes — such as loan disbursement, repayment, or loan closure — may reflect in your credit report within 15 to 45 days, depending on the bureau’s processing cycle.