Credit Score
Check your credit score and understand what moves it.
What it is
A credit score is a three-digit number produced by a credit bureau from your borrowing and repayment history. Lenders use it when they assess loan and credit card applications.
Who it may be useful for
- People planning to apply for a home, car or personal loan.
- Credit card users who want to see the effect of their repayment habits.
- Anyone who wants to check their credit report for errors.
Whether it suits you depends on your own goals and circumstances.
Benefits
- See your score without visiting each bureau.
- Understand the factors behind it, such as repayment history and credit use.
- Notice changes over time.
Things to consider
- Scores differ between bureaus because each uses its own model and data.
- A score improves gradually through consistent repayment. There are no quick fixes.
- A good score does not guarantee that a lender will approve a loan.
How Sahi Savings helps
- Retrieve your score from licensed credit information companies, with your explicit consent.
- Monitor your score over time.
- See insights on the factors that affect it.
Steps
- Give consent to fetch your credit information.
- View your score and the factors behind it.
- Check back periodically to see how it changes.
Questions
Where does the score come from?
From licensed Credit Information Companies (CIBIL, Experian, Equifax and CRIF High Mark), retrieved with your consent.
What if my report has an error?
Corrections are made by the credit bureau and the lender that reported the data. Sahi Savings displays bureau data as received.
Will checking my own score lower it?
Checking your own score is generally treated as a soft enquiry, which does not affect the score.
Check your credit score in the app
Download the app, enter your basic details and set a passcode. Then add your tax regime and investments to see everything together.
