Credit Score Analytics
Track credit score improvements, distributions, and user progress across the platform.
Platform Avg Score
682
+61 pts from Apr 2025
Avg Monthly Improvement
+47 pts
Premium: +62 pts · Free: +18 pts
Users Reached 700+
12,920
+2,140 this month
Users in Poor Band
4,200
-380 this month
Platform Average Credit Score Trend
Apr 2025 – Mar 2026
Start: 621
Current: 682
Total Gain: +61 pts
YoY Growth: +9.8%
Score Improvement Distribution
Users by monthly point gain bracket
Median improvement: 38 pts/month · Top 10% improve 70+ pts/month
Credit Score Band Distribution
48,320 active users by current score range
Poor (300–549)
4,200
8.7%
Fair (550–649)
12,800
26.5%
Good (650–699)
18,400
38.1%
V.Good (700–749)
8,600
17.8%
Excellent (750+)
4,320
8.9%
AI-Identified Improvement Drivers
Top tips by average score impact
Reduce credit utilisation below 30%+28 pts avg
Pay all EMIs on time for 3+ months+24 pts avg
Dispute incorrect CIBIL entries+19 pts avg
Add credit mix (secured + unsecured)+15 pts avg
Avoid multiple loan applications in 30d+12 pts avg
Increase credit limit on existing cards+9 pts avg
Keep oldest credit card active+7 pts avg
AI suggests focusing on utilisation reduction — highest ROI for 62% of users in Poor/Fair bands.
Top Score Improvers — March 2026
Users with highest gains this month
| # | User | Before | After | Gain | Plan |
|---|---|---|---|---|---|
| 1 | KS Kavita Shah Mumbai | 582 | 665 | +83 | Pro |
| 2 | RP Rajan Pillai Kochi | 612 | 689 | +77 | Premium |
| 3 | MG Meena Gupta Delhi | 634 | 701 | +67 | Pro |
| 4 | AB Arjun Bhat Hyderabad | 558 | 620 | +62 | Premium |
| 5 | SJ Sunita Joshi Nagpur | 645 | 703 | +58 | Basic |
| 6 | VN Vikram Nair Chennai | 638 | 693 | +55 | Premium |
Score Improvement by Subscription Plan
Average monthly score gain per plan
Free Users
+18
pts/month avg
Basic ₹99
+34
pts/month avg
Premium ₹199
+62
pts/month avg
Pro ₹399
+94
pts/month avg