The free CIBIL score gives you a number. We give you a personalized improvement plan — the top 3 things hurting your score, exactly how to fix them, and what your score will be in 90 days.
A 50-point lower CIBIL score = 0.5–2% higher interest rate. On a ₹50 lakh home loan, that's ₹4–8 lakh extra over 20 years. ₹89 is the cheapest finance decision you'll make this year.
One-time payment · Delivered in 5 minutes
Same report. Different actionability.
| Feature | Free CIBIL | FLOCRED ₹89 |
|---|---|---|
| Your CIBIL Score | ✓ | ✓ |
| Score from all 4 bureaus | Only CIBIL | ✓ All 4 |
| Top 3 score-killers identified | ✗ | ✓ With fixes |
| 90-day improvement projection | ✗ | ✓ AI-powered |
| Loan rejection probability (top 10 banks) | ✗ | ✓ Per-bank |
| 30/60/90 day action checklist | ✗ | ✓ Personalized |
| Branded PDF report | ✗ | ✓ Email delivered |
| Dispute assistance | ✗ | ✓ Free with report |
| Priority WhatsApp support | ✗ | ✓ 7 days |