CREDIT REPAIR · FINTECH SOLUTIONS

Move your score from red to green.

Score Mithra Fintech Services reads your full credit report, disputes what's wrong, and lays out exactly what to fix next — so a low score becomes a plan instead of a mystery.

Check my score, free See the repair plan
4,650+reports analysed
23disputes raised weekly
100%encrypted & secure
Credit score summary Moderate → Good
580/900
Improving steadily
Active accounts
08
Total enquiries
06
Utilization
25%
Trusted & secure
Expert guidance
Fast results
100% data protection
Where you stand

Every score sits somewhere on the same line

Lenders read your score against four bands. Knowing which one you're in — and what moves you to the next — is the first step of any repair plan.

You: 713
300–579
Poor
Loan applications are declined or come with steep interest.
580–669
Fair
Approvals are possible but rarely at the best rate on offer.
You are here
670–739
Good
Most lenders approve you; a few points more unlocks better terms.
740–900
Excellent
Priority pricing, higher limits, fastest approvals.
THE PROCESS

Five steps from a red score to a green one.

Scroll down — this rail fills as you move through each stage of the repair process.

1

Check your score

Pull your live score and full report from Experian, Equifax, CRIF High Mark and TransUnion CIBIL at once.

2

Find what's hurting it

We rank negative accounts, late payments and high utilization by how much impact each one has.

3

Raise disputes

File a dispute on any incorrect or unfair entry in a couple of taps, then track it to resolution.

4

Follow your repair plan

A step-by-step plan built around your report, with an AI advisor on hand for every question.

5

Watch it climb

Track score, DPD history and account status month over month until you're back in the green.

Understand your credit score, one factor at a time.

Your credit profile is shaped by several key factors. Understand what matters most and take smarter steps toward better credit health.

01

Check your payment history

Timely payments are an important part of your credit profile. Stay consistent with your EMIs and credit card payments.

02

Keep credit utilization low

Using a large portion of your available credit can affect your credit profile. Keep your balances comfortably manageable.

03

Monitor your credit accounts

Review your active loans and credit cards regularly to spot unfamiliar activity, errors, or accounts that need attention.

04

Build a healthy credit history

A longer, well-managed credit history can contribute to a stronger credit profile. Focus on consistent financial habits over time.

YOUR CREDIT SCORE UPDATED
300
EXCELLENT
300 600 750 900
✓
Payment History Excellent
98%
↗
Credit Utilization Good
32%
✓
Credit History Strong
6.4 yrs
Credit health looks strong →
CONNECTED DATA SOURCES

One login. Every bureau that scores you.

In India, four bureaus can each hold a different version of your credit history. Click a bureau to see what it covers.

TransUnion CIBIL
Leading Credit Bureau
Experian
Global Intelligence
Equifax
Financial Data
CRIF High Mark
MSME & Retail
TransUnion CIBIL

TransUnion CIBIL

TransUnion CIBIL is the score most Indian lenders check first for loan and credit card approvals. It's the number you'll usually see quoted — and the one we work hardest to protect.

Live Sync status
#1 Most-checked score
Auto Refresh cycle
Experian

Experian

Score Mithra Fintech Services connects directly to Experian's API to pull your full credit file — trade lines, enquiries and payment history — refreshed automatically so your dashboard never shows stale data.

Live Sync status
750+ Lenders reporting
Auto Refresh cycle
Equifax

Equifax

We pull your Equifax file alongside Experian's and cross-check the two, so mismatched account details or missed updates get flagged instead of quietly slipping through.

Live Sync status
2nd Cross-check source
Auto Refresh cycle
CRIF High Mark

CRIF High Mark

CRIF High Mark has particularly strong coverage of microfinance loans and regional lenders — accounts that other bureaus sometimes miss entirely. We fold that data into your merged score.

Live Sync status
Strong MFI coverage
Auto Refresh cycle
All four reports merge into a single score summary on your dashboard — one number instead of four conflicting ones.
WHY Score Mithra Fintech Services

More than a score.
A smarter way to understand your credit.

Your credit score is more than just a number. CreditPrime brings your credit information together and helps you understand, monitor and improve your financial profile with confidence.

01

Secure & Private

Your financial information deserves the highest level of protection. Your data is handled securely and kept private.

02

Track Your Score

Keep an eye on your credit profile and understand how your financial activity can affect your score over time.

03

Make Better Decisions

Get a clearer picture of your credit health before applying for loans, credit cards or other financial products.

04

Stay Updated

Monitor important changes in your credit profile so you can spot potential issues and take action sooner.

05

Simple & Easy

No confusing financial jargon. Get your credit information presented in a simple, clear and easy-to-understand way.

06

Built Around You

From checking your score to understanding your credit profile, everything is designed to make your journey easier.

YOUR CREDIT. YOUR CONTROL.

Know your score.
Know where you stand.

Check My Score
SCORE FACTORS

What affects your credit score?

Your credit score is influenced by different aspects of your credit behaviour. Understanding these factors can help you build a stronger credit profile.

782
YOUR CREDIT SCORE Healthy credit habits matter.
KEY FACTORS 05
01

Payment History

Paying your EMIs and credit card bills on time demonstrates responsible credit behaviour.

35%
02

Credit Utilisation

How much of your available credit limit you are currently using.

30%
03

Credit History

The length and quality of your credit history can influence your overall profile.

15%
04

Credit Mix

The different types of credit you manage, such as loans and credit cards.

10%
05

New Credit Enquiries

Multiple hard enquiries within a short period may affect your credit profile.

10%

Plans that fit where you're starting from

Start with visibility, move to full repair and dispute support whenever you're ready.

Basic
₹299/ month
  • 1 credit report per month
  • Score monitoring & alerts
  • Basic score factor breakdown
Choose Basic
Most popular
Premium
₹599/ month
  • Unlimited credit reports
  • Full dispute management
  • AI credit advisor access
  • Priority expert support
Choose Premium
FAQ

Questions people usually ask

Can't find what you're looking for? Our team replies within one business day.

Ask us directly →
01How long does credit repair take?

Most disputes are resolved by the bureau within 30–45 days. Score movement from paying down utilization can show up as early as the next billing cycle.

02Is my data safe with Score Mithra?

Yes. Every report is pulled over an encrypted connection and stored securely — we never share your data with third parties without consent.

03Which bureaus do you work with?

We pull and monitor reports across the major Indian credit bureaus, so disputes and score tracking stay consistent no matter where the error originated.

04Can I check loan eligibility for free?

Yes — a basic eligibility check across personal, home, gold and business loans is included even on the free score check.

05Can I cancel my subscription anytime?

Yes, there's no lock-in. You can pause or cancel from your profile settings whenever you like.

Ready to see where you actually stand?

Connect your report from all four bureaus and get your first repair plan in minutes.

Check my score free
CONTACT US

Talk to a credit specialist.

Have a question your report can't answer?

Our team replies within one business day — sooner for anything score-affecting.

EMAILhelp@scoremithra.in
PHONE+91 9912564352
HOURSMon – Sat, 9am – 7pm
OFFICEIndia