Credit, always on.
- Know your credit score & get a plan to raise it.
- See exactly why a loan or card was rejected.
Checking your score is a soft pull — it never lowers your score. And the personalised plan that comes with it helps you raise it.
Today
734
GoodIn 6 months
782
ExcellentPoints to improve the score
Lower card utilisation to 30%
+18 pts
Never miss a payment
+15 pts
Hold off on new enquiries
+9 pts
600M+
first-gen credit users
Minutes
score report + AI plan
₹99
one-time · no subscription
100%
data-minimal KYC
What we offer
Everything your credit life needs.
Expert guidance
Talk to a credit advisor and walk away with a clear, written action plan built around your report.
Credit health
Track, understand, improve your credit score in real time. AI-prioritised plan included.
Credit builder
Build a stronger credit profile and unlock better financial opportunities.
Pick what you need
Three ways to fix your credit.
Credit Care
Improve your credit score
₹99.00
Pull your bureau report, see exactly what’s holding your score back, and get a personalised plan to lift it.
- Bureau score + top drivers
- AI-prioritised improvement plan
- PDF + WhatsApp delivery
Rejection Report
Find out why you were rejected
Free check
Denied a loan or credit card? See the most likely reason free in 60 seconds — then a full bureau-backed report with your fix plan.
- Most likely reason — free
- Ranked reasons with evidence (₹99)
- Fix plan + what you can get now
How it works
Sign-up to your credit report in minutes.
Verify yourself
PAN + mobile OTP in 2 minutes. We store only the last-4 + a one-way hash — never your full number.
Pick your tier
Score Report (₹99), Expert Consultation (₹999), or Settlement (₹2,999). One-time price shown upfront — no subscription.
Pay securely
Pay through our PCI-DSS-compliant gateway. With your explicit consent we then pull your credit bureau report.
Get your report + plan
Your bureau report and AI-prioritised improvement plan are delivered to the app and your email — usually within minutes.
Why payd24
Built on trust, by design.
Consent-first
Your bureau, your consent
We pull your credit bureau report only on your explicit instruction — never sold or shared.
Data minimal
Built privacy-first
Aadhaar last-4 + hash only. PAN encrypted at rest. DPDP Act compliant. Hosted in AWS Mumbai.
No surprises
Transparent pricing
One-time fees shown upfront, inclusive of GST. No subscription, no hidden charges.
FAQ
Questions, answered.
- What do I get for ₹99?
- The ₹99 Score Report pulls your credit bureau report with your explicit consent and returns a structured PDF: your score, the key factors moving it, and an AI-prioritised action plan — delivered to the app and your email, usually within minutes.
- What does it actually cost?
- Every Credit Care tier is a one-time charge shown upfront — ₹99, ₹999, or ₹2,999, inclusive of 18% GST. No subscription, no hidden fees. Full item-wise breakdown is on our pricing page.
- How do you use my credit data?
- We pull your bureau report only with your explicit consent, solely to generate your score and improvement plan. We never sell it or share it with any third party.
- Is my data safe?
- Aadhaar last-4 + one-way hash only. PAN encrypted at rest with AES-256. Data hosted in AWS Mumbai (ap-south-1). DPDP Act, 2023 compliant. Full details in our privacy policy.
- How soon do I get my report?
- The ₹99 report is typically delivered within minutes of successful payment, to the app and your email. Consultation and Settlement timelines are on our service delivery policy.
- What if I have a complaint?
- Email our Grievance Redressal Officer at grievance@payd24.com. Acknowledgement within 4 hours during office hours, resolution within 3–15 business days depending on complexity.
More questions? Write to us at support@payd24.com — we reply within 4 hours during office hours.