India's Financial Freedom Report.
Check Credit Score
India's #1 credit & loan expert

Every Indian's own relationship manager

Oolka AI reads your report, files the disputes, negotiates with your lender, and keeps every EMI on time.

Check Credit Score

Free to check, and checking never lowers your score.

Only your PAN and mobile number. Ask in Hindi, Tamil, Telugu or English.

Score improve karna hai?
Google Play

1 crore+

Indians use Oolka

4.8★

Play Store, 42,000+ ratings

Experian

official bureau partner

Bharat Bill Pay

RBI-NPCI network

Found in real Oolka reports

What's actually hurting your credit score?

Seven real cases, and what Oolka AI did about each one.

Oolka AI handled

a loan you never took

Find what's on your report →

So how does your credit score go up?

Three things Oolka AI does for you, once it knows what is wrong.

01Wrong entry in your credit report? Oolka AI files the dispute.

A fake loan. A wrong overdue. A closed loan still showing active. Oolka AI finds it, drafts the dispute the way bureaus accept it, and follows up till it is gone.

  • Scans your full report for every kind of error
  • Drafts the dispute in the format bureaus accept
  • Follows up till the fix shows on your report

02No credit history? Start your score with Credit Builder.

Never taken a loan or card? Then no bank has a record of you paying money back, so they refuse. Oolka Credit Builder starts that record with one small loan, and reports every payment you make on time.

  • Starts your history with a small builder loan
  • Every on-time payment reported to the bureau
  • Watch your score build month by month

03Never miss an EMI. Pay every bill from one place.

One missed EMI can cost you 50 to 100 points. Track every EMI and credit card bill in one place, pay on time, and earn cashback on every payment. Payments run on Bharat Bill Pay, an RBI-NPCI network.

  • Every EMI and card bill in one place
  • Reminders before every due date
  • Cashback on every on-time payment

Stuck in a loan you can't repay? There is a way out.

Recovery calls you dread picking up. Interest that keeps climbing. Oolka AI drafts the negotiation emails to your lender, tracks every response, and follows the settlement till it reflects right on your report.

Nothing is sent until you read it and say yes.

24x7100+ languagesChatting is free

Ask in your own language, at 2am if that is when it keeps you awake. Oolka AI answers straight.

A shop owner at his counter looking at his phone with relief
See it in action

Credit score kaise theek kare? Dekho.

1 minute, Hindi. The full story of what Oolka AI does.

4.8★ on the Play Store, 42,000+ ratings

Oolka reviews from users who fixed their scores

Real customer, name changed

A fake loan was blocking every credit card application Balaji made.

1Fake loan found›
2Dispute filed by Oolka AI›
3Entry removed
568568

His score after one dispute, filed by Oolka AI.

“It helped me a lot. It improved my credit score significantly.”

Balaji R

Bank employee

Check what's on your report →
A happy family standing together outside their home

It is a very good app. All necessary information is provided on time.

Manoj Kumar

Spare Parts Business

650 → 740

The app is really helpful and good. It has helped me a lot.

Arjun M

Building Construction

+89 points

Other apps feel fraudulent compared to this.

Gopal Sharma

Track Sales Shop Owner

Loan closed
Read the full breakdown of ratings, complaints and results →

Names changed for privacy. Quotes and results from verified Oolka customers.

Credit score questions, answered straight

Ab har Indian lega credit, samajhdari se.

Over a crore Indians have already checked theirs. Oolka AI does the hard part.

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