Unable to get credit cards or loans at the best rates?
Struggling to secure loans at competitive rates? We provide the solutions you need to improve your credit profile, ensuring better loan opportunities and paving the way for favorable rates and financial success.
FEATURES OF SCOFIT
Along with credit score, tips and credit profile. Scofit also offers insights into:
Payment history
Take a look at your past payments and the percentage of on-time payments. Consistent, on-time payments boost credit scores.
Credit Age
Track the number of years a credit account has stayed active. Older credit age means more reliability and higher score.
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 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.
Are you unable to resolve your negative accounts?
Stuck with unresolved negative accounts? Our credit improvement services are here to help you tackle those challenges and pave the way for a more positive financial future.”
Get smarter by the day
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.
Keep a watchful eye
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.
Struggling to manage your loan accounts?
Feeling overwhelmed by your loan accounts? Let us help you regain control and simplify your financial journey with our expert assistance and guidance.
Work towards improvement
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.
Customer Testimonials
You're in good company
The best way to showcase our commitment is through the experiences and stories of those who have partnered with us.
As a dairy shop owner, having access to affordable loans is crucial. Scofit’s platform made it easy for me to understand and improve my credit score, which in turn helped me get a better loan. The app is straightforward, and the personalized tips have been incredibly helpful. Scofit is a must-have for small business owners like me!
Kavita Joshi
Dairy Shop Owner
Scofit has provided me with the financial insights and tools I needed to take my pharmacy to the next level. Their credit monitoring services and expert advice have helped me secure better loan terms and manage my credit profile effectively. Scofit is an excellent resource for any small business looking to improve their financial health.
Rajiv Verma
Pharmacy Owner
I’ve been using Scofit for a few months now, and it’s been a game-changer for my grocery store. The monthly credit health reports and personalized coaching have helped me improve my credit score and manage my loans better. Scofit’s support and guidance have been invaluable. A fantastic tool for small businesses!
Sunita Sharma
Grocery Store Owner
Scofit has been instrumental in helping me grow my dairy business. The app’s insights into my credit profile and the personalized action plans have significantly improved my financial health. Thanks to Scofit, I was able to get a loan at a much lower interest rate to expand my operations. I highly recommend Scofit to other small business owners!
Suresh Patel
Dairy Products Vendor
Running a medical store means I need to have my finances in order. Scofit provided me with the tools to monitor and improve my credit score effectively. The detailed credit reports and expert guidance have been crucial in securing better loan rates for my business. Scofit is a must-have for any small business owner!
Dr. Anjali Mehta
Medical Store Owner
Scofit has been a lifesaver for my Kirana store. Managing finances and improving my credit score felt overwhelming, but Scofit’s easy-to-use app and personalized advice made it manageable. Their credit health reports and loan recommendations helped me secure a better loan to expand my inventory. Highly recommend to fellow store owners!
Ramesh Gupta
Kirana Store Owner