Credit Care & Wellness Platform

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.
256-bit encrypted RBI-aligned DPDP Act 2023 Data never sold 🇮🇳 Made in India
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.

Rejection Reasons

Why was I rejected?

Free

Understand the real reasons behind a loan rejection.

  • Rejection reason analysis
  • What to fix first
Check for free
Consultation

Talk to an expert

₹999

One-on-one guidance from a credit specialist.

  • 30-min expert call
  • Custom plan
  • Follow-up summary
Book a call
How it works

Sign-up to your credit report in minutes.

01

Verify yourself

PAN + mobile OTP in 2 minutes. We store only the last-4 + a one-way hash — never your full number.

02

Pick your tier

Score Report (₹99), Expert Consultation (₹999), or Settlement (₹2,999). One-time price shown upfront — no subscription.

03

Pay securely

Pay through our PCI-DSS-compliant gateway. With your explicit consent we then pull your credit bureau report.

04

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.

Will checking my score affect it?
No. Checking your own score is a soft enquiry and does not affect it.
How fast do I get my report?
Most reports are ready within a few minutes.
Is my data safe?
Yes. Your data stays yours and is never sold.

Ready to take control of your credit?

Pull your report, get your plan, and start improving today.

Improve my Score Rejection Reasons