Know where you stand before you borrow. PayWallet lets you check your credit score for free, sourced from authorised credit bureaus, with no impact on your score and clear tips to improve it.
Free and no impact on your score
Checking your own score is a soft enquiry, so it never lowers your credit rating. PayWallet shows it free, as often as it refreshes.
- 100% free credit score check
- Soft enquiry, no score impact
- Refreshed regularly
- Sourced from authorised bureaus
Understand what drives your score
See the factors behind your number — repayment history, credit utilisation, age of accounts and recent enquiries — so you know exactly what to work on.
Tips to improve
Get simple, personalised suggestions: pay on time, keep card utilisation low, avoid too many loan enquiries, and keep older accounts open.
- Pay EMIs and card bills on time
- Keep credit utilisation under 30%
- Limit new loan and card enquiries
- Maintain a healthy credit mix
Get PayWallet on your phone
Download for AndroidFrequently asked questions
Is checking my credit score really free?
Yes. PayWallet lets you check your credit score for free. There is no charge to view your score or the factors behind it.
Does checking my score reduce it?
No. When you check your own score it is a soft enquiry, which does not affect your credit score. Only lender-initiated hard enquiries can have a small impact.
Where does the score come from?
Your score is sourced from authorised credit bureaus, based on your credit history with banks and lenders reported to those bureaus.
How often is my score updated?
Your score refreshes periodically, typically every month, so you can track changes as you pay down debt and build history.
How can I improve my credit score?
Pay all EMIs and card bills on time, keep your credit utilisation below 30%, avoid frequent new-loan enquiries, and keep older credit accounts open to lengthen your history.