Credit Healthy Toh Credit Wealthy

Join over 16Mn+ members who
1, Build their credit health 2, Reduce their EMIs 3, Get best loan and cards

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01

Personal Credit
Inquiry

02

Enterprise Risk
Detection

03

Personal
Judicial Risk

04


Blacklist

05

Network
Risk Inquiry

Never Pay Extra Again! Unpaid EMIs/ payments affecting your credit score? Seeking a solution for your missed EMIs?

Regain control, Learn about your loan eligibility with our credit improvement service.

Credit Improvement Service

Personalized Credit Coach

Analyze your score

Monthly Credit Health Reports

Resolve the problems

Free Account Dispute Resolution Service

Get better loan options

Credit Improvement Service
Did you know?

Did you know? 5.3L customers have resolved their negative issues and become credit healthy again

1 Lakh

customers improved their credit health and loan eligible in just 1 year

More than 16Mn

people have checked their credit score with us and become aware of the financial health

5.3 lakh customers

have resolved their negative issues and become credit healthy again

Over 70k customers

from underserved segments have been given loan

30+ lenders

100% online process whether it is checking loans or applying for credit cards

About Us

Who are we?

Who are we?

CreditCastle is your one-stop destination to take control of your finances. We understand your financial potential and help you get loans easily. We intend to change the way credit is delivered in India by harnessing the power of technology.

Who are we?

Safe and Secure

We treat your data like it's our own and take your security seriously. We use 128-bit or higher encryption to protect during the transmission of your data to our site.

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Customer Testimonials

Meet Our Happy Customers

Awards & Recognitions

finovate awardtiecon award

The TiECon Chennai 2018 Award

Growth Story of the Year

finovate awardeconomic times bfsi award

The Economic Times BFSI

Innovation Tribe 2018 Award

The Start-Up Category

finovate awardcii connect award

The CII Connect Award 2018

For Exemplary Application of IT

finovate awardfintech award

CB Insights 2017

Fintech 250

finovate awardred herring award

Red Herring Asia 100

Winner (2017)

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Finovate Asia 2017

Presenter

FAQ's

Check the question section to get Resources, FAQs, & Guides

A Credit Rating is a number computed by an approved credit rating agency and it provides a hint of the credit worthiness of an individual. An individual's Credit Score provides a credit institution with an indication of the "probability of default" of the individual, based on their credit history. What this means in simple English is that the Score tells a lender / credit institution (typically banks or NBFCs) how likely you are to pay back a loan based on your past pattern of credit usage and loan repayment behaviour.
In India, credit scores are assigned by one of the top four credit bureaus: Equifax, Experian, CIBIL™ and CRIF™. A credit score ranges between 300 and 900. If your score is near 900, you will have better chances of loan applications being approved. A score between 300 and 549 is considered to be poor and a score ranging between 550 to 700 is considered fair. Aim to get your credit score to 750 and above for the best loan and credit card offers.

Check your Credit Score for free with just a few clicks! Let us help you unlock your credit potential. Move forward on the path to excellent credit health. Click here and find.

When you have not borrowed in the past or have never had a Credit Card or a loan, there will be no downdates about you with the credit bureau, who mark such cases as NH or 'No History'. Due to a lack of details, the credit bureau will be unable to comment on your payment behaviour. In such cases, some banks / financial institutions/NBFCs may not provide you with any unsecured credit facilities.

Your credit score is an important factor in determining your eligibility for a loan, a credit card and other credit products. Credit scores are dependent on your credit history including previously taken credit and repayment patterns.
A high score indicates good creditworthiness, and a low score indicates poor creditworthiness. Low scores could indicate that you are a risky borrower and lenders could be hesitant to easily approve your loan applications.
If you aren’t sure of your credit score, you can check it for free at CreditCastle. Just enter a few key details like your PAN number, email id, pin code and mobile number to get your latest credit score for free.

Each credit bureau has its own formula to calculate the credit score. Common man finds it baffling to understand the calculation of that 3-digit number that determines their creditworthiness. The parameters used to calculate the score are very simple. However, you might find variances in the credit scores from different bureaus as they allocate different value to each parameter. Following are the key parameters that determine your credit score.
  1. 1.Payment history – On-time and consistent repayment provide a positive score.
  2. 2.Credit Utilization Ratio– Having low credit usage on your credit card provides a much-needed boost.
  3. 3.Credit history – The longer the credit history, the higher the credit score.
  4. 4.Credit mix- Having a mix of secured and unsecured credit is proof to the lender that you are able to handle the credit efficiently.
  5. 5. Hard enquiry – Taking out credits within a short time negatively affects your credit score as there are too many hard enquiries involved.

Blend cutting edge data sciences, technology with credit management.The basic premise is that when lenders and borrowers understand each other better by leveraging the power of data, it results in efficient credit decision making for both stakeholders.

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