Arjun

Arjun is GroScore's Personal Credit Coach. Arjun has analysed 1 lakh+ credit reports and helped 50,000+ users understand and improve their credit scores.

Instant Loans

Instant Loan: How Instant Personal Loans Work in India

Fast decisions are real. Guaranteed approval isn't. Here's how instant personal loans work, what they really cost, and how to check who's lending.

Loans With Low CIBIL

Instant Loan Without CIBIL: What's Possible and What's a Scam

Three things people mean by a loan without CIBIL. Two of them have honest answers. The third is how scams find you.

Credit Score Factors

CIBIL Enquiry: Hard vs Soft Enquiry and Your Credit Score

Why your own check is harmless, why five loan applications in a month aren't, and what to do instead.

Credit Score Factors

How to Improve Credit Utilization Ratio: The 30% Rule

The one credit score factor you can change this month, with the arithmetic shown.

Improve Credit Score

Credit Score Improver: Can an App Really Raise Your Score?

An honest answer from a company that makes one of these apps: what they can do, what they can't, and what you can do without any app.

Loans & CIBIL Score

CIBIL Score for Personal Loan: Minimum Needed and Rates

Most banks want 750+ for a personal loan. Here's what changes at 700, 650 and 600, and what the rate gap really costs.

Credit Reports & Bureaus

Equifax Credit Score India: How to Check It and What It Means

Equifax is one of India's four credit bureaus. Here's what its score means and how to see yours free.

Improve Credit Score

How to Build Credit Score From Scratch: New to Credit Guide

No credit history isn't a dead end. Here's the safe way to start one.

Credit Cards

Credit Card for Low CIBIL Score: Secured and FD Cards

A low score doesn't have to mean no card. A fixed deposit can stand in for the trust a bank can't yet see in your report.

Check Credit Score

CIBIL Score Check Free Online by PAN Number: Step-by-Step

Your PAN finds your credit file. Your OTP proves it's yours. Any site that skips the second step is a warning.

Check Credit Score

Best CIBIL Score App in India: Free Credit Score Apps Compared

Which bureau, what it costs, how deep the report goes and what happens to your data: the five questions that pick the right app.

Improve Credit Score

How to Improve Credit Score Fast: What Changes in 30-90 Days

Some fixes show up within a reporting cycle or two. Others take years. Here's which is which.