CredZen | Alternative Credit Intelligence

Why This Exists

190 million Indians are credit-invisible. Not because they're irresponsible. Because the system was never built for them.

Traditional credit bureaus like CIBIL only score people who already have credit cards, EMIs, or formal loans. Street vendors, gig workers, freelancers, and first-time borrowers are invisible to this system - not because they're risky, but because their financial lives happen outside it. CredZen fixes this.

Check Your CredZen Score

How It Works

Your score in under 30 seconds.You type one thing.

Enter your mobile number

That's the only thing you type manually.
Grant data consent

Choose which verified sources to share - bank history, GST data, or mobile signals. You stay in control.
We fetch verified data

CredZen pulls directly from the Account Aggregator framework and GST portal. No screenshots. No uploads. Cryptographically verified.
Get your score

A 300-850 credit score, a plain-language breakdown, and a step-by-step improvement roadmap - in under 30 seconds.

Unlike traditional loan applications, nothing you see on CredZen is self-reported. Every signal comes from a verified authoritative source.

Your CredZen Score

A number that finally tells your full story.

CredZen Score Snapshot

714

Low Risk

Recommended for Approval

Very High Risk
High Risk
Medium Risk
Low Risk
Very Low Risk

What drives your score

Every component is explainable and tied to verified behavior.

Payments Score Your bill and UPI payment consistency

84/100

Income Stability How predictable your monthly income is

71/100

Financial Discipline Your spending control and behavioral consistency

79/100

Plain-language breakdown, not a black box.

Your score shows what's helping you, what's holding you back, and a ranked action roadmap with estimated point gains.

Bill payment consistency +42 pts Financial behavior consistency +38 pts Build a 3-month income buffer for +18 pts

Ready to check yours?

Get your CredZen score in under 30 seconds.

You type one thing. We handle verified data and explain every factor behind your number.

Check Your CredZen Score

A Real Story (Simulated)

Credit Invisible Not Credit Unworthy

4 Simulated Applicant Profiles

Based on typical verified behavior patterns

Rekha Patil

Pune, India

CredZen Score 714 | Low Risk

8 years running a vegetable stall, regular utility payments, and steady UPI activity. No formal loan history, so bureau score is missing.

Imran Sheikh

Surat, India

CredZen Score 689 | Medium-Low Risk

Gig delivery rider with consistent weekly earnings and low cash-burn behavior. Strong repayment intent signals despite no credit card footprint.

Sushila Devi

Lucknow, India

CredZen Score 701 | Low Risk

Home-based tailor with stable monthly deposits and disciplined bill payments. First-time borrower, previously invisible to traditional underwriting.

Arjun Das

Guwahati, India

CredZen Score 672 | Medium Risk

Freelance electrician with seasonal cashflow but excellent payment consistency. Action roadmap shows how to improve score with a 3-month income buffer.

Built Responsibly

Your data stays yours.Consent first. Always.

↑ 100%

Data pulls happen only after explicit OTP consent on RBI Account Aggregator rails.

raw data

Raw records are discarded after scoring, and every score includes a factor-level breakdown.

↑ 4 rights

Access, correction, revocation, and deletion requests are supported to align with DPDP Act 2023.

FAQ

Frequently Asked Questions

How fast can I get my CredZen score?

Most users get a score in under 30 seconds after entering a mobile number and completing consent. CredZen fetches verified signals directly from approved data sources so there is no manual upload wait time.

What data does CredZen use to score me?

CredZen uses consented, verified behavioral inputs like UPI payment patterns, utility payment consistency, income stability, and related financial discipline signals. The model focuses on real financial behavior, not self-reported forms.

Do you store my raw financial records?

No. CredZen computes your score and keeps only score-level and feature-level aggregates for explainability. Raw source records are discarded after scoring.

Can I see why my score is high or low?

Yes. Every CredZen score includes a plain-language factor breakdown and an action roadmap so you can understand what is helping, what is hurting, and what can improve your score next.

Can I withdraw consent or request deletion later?

Yes. CredZen supports access, correction, consent revocation, and deletion requests in line with DPDP Act 2023. You remain in control of how your data is used.