That Keeps

Your Cibil Score Fit

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About Us

We are a fintech company working towards financial literacy. We are not financial gurus or personal wealth managers who will tell you what to do with your money, but we sure will keep you updated on your credit score, along with handy tips and tricks on how to improve it. In other words, we help you improve your creditworthiness.

Every Scofit report grants an overview of your loans, credit cards, and active EMIs, to give you an insight into your credit behavior. The credit score improvement tips are personalized to accommodate your specific requirements, payment history, and purchase patterns. So, you won't even have to go out of your way to increase and improve your score.

We are Scofit, and we are here to make your credit score so fit!

FEATURES

FEATURES OF SCOFIT

Along with credit score, tips and credit profile Scofit also offers insights into:

Credit SCOre FITness

Scofit is here to make you financially wiser

We get it, finance is hard - and managing your credit score is harder. There are several factors acting behind the scene to indicate whether you are a reliable borrower or otherwise. This single mystical figure seals your fate, whether you apply for a loan or a credit card.

With our help, you can make your credit score healthier. Here’s how we can help:

  • Check your credit score
  • Get personalised improvement plans
  • Monitor your creditworthiness
  • Improve your score continuously

Know where you stand

Credit reports so good that you will be refreshing them every 30 days!

You need to know the starting point to make your way to the finish line. Start your financially smarter journey by getting your Scofit report. It contains insightful information from credible sources like CIBIL and Experian. A single click is all it takes to generate your Scofit report - no ads, no spam, and no fluff.

Use it to gain a bird’s eye view of your credit status, active loans, active credit cards, and other credit-related activities.

Keep a watchful eye

You hold the reigns of your creditworthiness!

Delayed payments or loans fringing on defaults can leave a negative impact on your credit score. To ensure that nothing goes amiss, your Scofit report offers an overview of the different factors, like your payment history, credit utilisation, payment timelines, etc., to ensure that you are one step ahead of deadlines.

Factors affecting your credit score

Payment history : Take a look at your past payments and the percentage of on-time payments. Consistent, on-time payments boost credit scores.

Credit card utilisation : Monitor the spending on your credit card as a percentage of the admissible limit. Cap your credit card utilisation to 30% (ideally).

Number of credit lines : Gain an overview of any active loans, credit cards, and other financial instruments. Diversify your credit mix for a healthy credit score.

Credit Age : Track the number of years a credit account has stayed active. Older credit age means more reliability and higher score.

Credit Inquiries : Check out the number of times a bank or NBFC has inquired about your credit report. Fewer inquiries mean better credit score.

Defaulted Loans : Visualise the number of loans in a default state to your name. Default loans can severely damage your credit score.

Work towards improvement

Financial literacy and awareness for one and all!

We believe that a low credit score is not a dead end. It is, in fact, an opportunity for improvement. Once we generate your Scofit credit report, our AI engines will scan the data to formulate a personalised credit score improvement plan that helps you achieve the credit score of your dreams.

Our personalised credit score improvement plan adapts to your purchase patterns and requirements to grow your credit score at the rate you want!

Get smarter by the day

Make credit improvement an ongoing habit!

Your credit score is not a dilapidated home in need of a one-time renovation. It is a plant that you need to nurture to gain the fruits of your labour. Every Scofit report comes embedded with actionable and practical tips that shed light on how you can improve your credit score for the current situation.

AWARDS

AWARDS & RECOGNITION OF SCOFIT

Startup India

We are recognized by the DPIIT, under “Startup India” program, an initiative of the Government of India.

Indian Achievers

ScoFit Also won “Indian Achievers' Award for Emerging Company, 2022” in Fintech Category.

Young Achievers Startups

ScoFit Also has been selected in “Young Achievers Startups" in MP

Testimonials

What our early joiners say

I am interested to subscribe your service. Because my last loan was rejected due to poor Cibil score.

Pradeep Patidar

I went to bank for home loan enquiry, they said if Cibil score is good then interest rate will also be less. Actually, I am interested in improving my CIBIL score. So I am waiting for your services to start.

Priya Tyagi

I was looking for this type of service with Credit Specialist. Actually you are planning to start good services to improve cibil score at affordable cost.

Preeti Mandloi

I am eagerly waiting for your services to improve my cibil score.

Rahul Yadav

Any finance company gets the CIBIL score checked before financing. If the score is good then we get the best offer at the best interest rate. I really want to improve my score before applying for home loan.

Kapil Vyas

Pricing

Check our Pricing

Scofit Check (Free Cibil)

Rs0.00 /Included Taxes

  • Access to Cibil Score
  • Analysis of Credit Report
  • Identification of Errors
  • Issue Resolution
  • Personalized Credit Expert
  • Talk to Senior credit expert
  • Score Improvement Program
  • Credit Health Reports that highlight your month-on-month credit activities
  • Free Account Dispute Service (one-time free account dispute with Experian)s
Basic

Scofit Pro

Rs10500 / + 18% GST

  • Access to Cibil Score
  • Analysis of Credit Report
  • Identification of Errors
  • Issue Resolution
  • Personalized Credit Expert
  • Talk to Senior credit expert
  • Score Improvement Program
  • 4 Credit Health Reports that highlight your month-on-month credit activities
  • Free Account Dispute Service(one-time free account dispute with Experian)
Popular

Scofit Boost

Rs14500 / + 18% GST

  • Access to Cibil Score
  • Analysis of Credit Report
  • Identification of Errors
  • Issue Resolution
  • Personalized Credit Expert
  • Talk to Senior credit expert
  • Score Improvement Program
  • 6 Credit Health Reports that highlight your month-on-month credit activities
  • Free Account Dispute Service (free account dispute with Experian)
Advanced

Scofit Genie

Rs25500 / + 18% Gst

  • Access to Cibil Score
  • Analysis of Credit Report
  • Identification of Errors
  • Issue Resolution
  • Personalized Credit Expert
  • Talk to Senior credit expert
  • Score Improvement Program
  • 12 Credit Health Reports that highlight your month-on-month credit activities
  • Free Account Dispute Service (free account dispute with Experian)

F.A.Q

Frequently Asked Questions

  • How do I choose a credit improvement service that is right for me?

    When choosing a credit improvement service, it is important to do your research and carefully review the services and track record of the company. Look for a company that is transparent about its services and fees, has a good reputation in the industry, and is willing to work with you to develop a customized plan that meets your needs. You may also want to consider seeking recommendations from friends, family, or financial advisors.

  • It is important to understand that no credit improvement service can guarantee that your credit score will improve. Credit scores are determined based on a complex set of factors that are beyond the control of any credit improvement service. However, a credit improvement service can provide you with the tools and knowledge you need to manage your credit effectively and make informed financial decisions that may help to improve your credit score over time.

  • Scofit can help you improve your credit score by providing you with the tools and knowledge you need to manage your credit effectively. This may include helping you to understand how credit works, how to read and interpret your credit reports, and how to develop a plan to pay off outstanding debts and improve your credit habits. Additionally, a credit improvement service may be able to assist you in disputing errors or inaccuracies on your credit reports, which can help to improve your credit score.

  • A credit improvement service is a company that helps individuals improve their credit score. These services typically offer a range of services, including credit repair, credit counseling, and credit education.

  • A credit improvement service typically works by reviewing an individual's credit report and identifying any errors or negative items that may be affecting their credit score. The service will then work to dispute these errors and negotiate with creditors to remove or update the negative items on the credit report.

  • The length of time it takes for Scofit to improve an individual's credit score will vary depending on the specific issues on their credit report and the specific steps taken by the service to address these issues. In general, it can take several months to a year for a credit score to significantly improve.

  • Not all credit improvement services are legitimate. Some may make false or misleading claims about their ability to improve an individual's credit score, or charge exorbitant fees without providing any real benefit. It is important to carefully research and compare different credit improvement services before choosing one, and to be wary of any service that seems too good to be true.

  • Customers may buy Scofit for a variety of reasons, including:
    • To improve their credit score: A low credit score can make it difficult to get approved for loans, credit cards, or other financial products, and can also result in higher interest rates and fees. Scofit may be able to help a customer improve their credit score by identifying and addressing errors or negative items on their credit report.
    • To repair damage to their credit: Customers who have experienced financial difficulties or made mistakes in the past may have negative items on their credit report that are causing their credit score to suffer. Scofit may be able to help these customers repair the damage to their credit and improve their credit score.
    • To learn more about credit: Some customers may use Scofit as a way to learn more about credit and how to manage it effectively. Scofit offers credit education and counseling as part of their services.
    • To save money: A low credit score can result in higher interest rates and fees on loans and credit cards, which can be costly over time. Improving their credit score through Scofit may allow a customer to save money by qualifying for lower interest rates and fees.

  • Whether or not it is worth it to buy a credit improvement service will depend on an individual's specific circumstances. For individuals with serious credit issues, such as bankruptcy or large amounts of debt, a credit improvement service may be able to help them improve their credit score more quickly than they could on their own. However, it is important to carefully research and compare different credit improvement services before choosing one, as some may be more effective or have more favorable terms than others.