Oolka AI: Check Credit Score

Check your credit score — free, in 30 seconds. Oolka is India's most loved credit expert, trusted by 70 lakh+ Indians to check, track, and improve their credit score.

FREE CREDIT SCORE CHECK & TRACKING

• Free credit score check, anytime
• Weekly score tracking with history
• Insights on what's affecting your score — payment history, credit utilisation, credit mix
• Alerts when your credit profile changes

Your Credit score is powered by RBI-authorised credit bureau. The same credit habits — on-time EMIs, low utilisation — strengthen your score and improve your overall credit health.

CREDIT EXPERT — YOUR FINANCE ASSISTANT
Oolka reads your full credit report and tells you exactly what's hurting your Experian score — in plain English. Ask any question about your credit score or credit report, free, 24/7. No jargon. No spam. No ads.

EMI MANAGEMENT & PAYMENTS

• Smart EMI reminders before every due date
• Pay EMIs via BBPS (authorised by NPCI)
• Track UPI autopay mandates before they deduct
• Real-time payment confirmations

Supported: hdfc bank, bank of baroda, icici bank limited, union bank of india, kotak mahindra bank, punjab national bank, state bank of india, yes bank limited, bajaj finance, idfc first bank"

REWARDS FOR GOOD CREDIT BEHAVIOUR
Pay EMIs on time and earn rewards. Improve your credit score and earn more. Building a strong credit profile is now rewarding — not just responsible.

FIX ERRORS ON YOUR CREDIT REPORT
Errors can cost you 50–100 credit score points. Oolka flags them, drafts dispute emails, sends them on your behalf, and follows up with banks and credit bureaus in real time until corrected. No bank visits. No paperwork.

WHY PEOPLE LOVE OOLKA

• "”Oolka found 3 wrong entries dragging my score and helped me dispute all 3.""
• ""EMI reminders saved me from two late fees. BBPS payment inside the app is a lifesaver.""
• ""Other apps show the score. Oolka tells you what to fix — like a credit expert in your pocket.""
• ""I earn rewards just for paying EMIs on time. No other credit app does that."""

HOW IS OOLKA DIFFERENT?

• Others show your score. Oolka fixes it — 24/7, in real time.
• Analyses your full credit report instantly — not just a number
• Ask anything about your credit score, anytime — free, unlimited
• Pay EMIs inside the app via BBPS — no switching apps
• Drafts dispute emails & follows up with banks until resolved
• Earn rewards for on-time payments & score improvement"

IS EXPERIAN DIFFERENT FROM CIBIL?
CIBIL and Experian are two of the four credit bureaus authorised by the Reserve Bank of India. Both use similar parameters — repayment history, credit utilisation, credit mix, and outstanding debt — to calculate your credit score. Improving your credit habits on Oolka strengthens your Experian score, and the same habits reflect positively on your CIBIL score as well.

PERSONAL FINANCE MANAGER
Track credit card bills, loan EMIs, and UPI autopays in one view. Monitor your financial health. Get recommendations to manage your money better.

LOANS & CREDIT CARDS
Personal Loan: ₹25,000–₹6,30,000 | APR: 14%–36% | Tenure: 3–36 months
Eligibility: Age 21–55, salary ₹25,000+/month, Indian resident
Credit Cards: IDFC, Unicard, Novio Card, Unity Small Finance Bank, Yes Bank, Bank of Baroda, State Bank of Mauritius
Lending partner: Moneyview, Olyv, L&T Finance

PRIVACY & SECURITY
Data encrypted in transit. Zero spam. Zero ads. Deletion on request.

Contact us-
Email: [email protected]
Phone: 011-40846061
Privacy Policy: https://oolka.in/privacy-policy

[Important Note: Oolka does NOT provide any credit repair service. Information and insights are for educational purposes only — personalised guidance based on your credit report, not financial or legal advice.]