GroScore Credit Report
Your credit report
Oct 2026
672
300 900
Next credit report in 28 days
What's impacting your score?
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Payment history
Paying on time impacts your score the most. It shows lenders you're a trustworthy borrower.
Payments on time
47 / 48 (97.9%)
Always pay your full credit card bill and EMI by the due date. A single 30-day late can cost you 15–25 points.
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Credit usage
The percentage of your total credit limit you're using. Keep it under 30% for a healthy score.
Total credit used
34% ₹1.37L of ₹4L
Drop one card's balance by ₹16,000 before Oct 25 — the day Equifax takes the next reading — to flip this to Excellent.
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Credit mix
Credit mix shows your cards and loans and how diverse they are.
Credit mix
3 cards · 2 loans
The more credit types you handle well, the better. A mix of unsecured (cards) and secured (loans) is ideal.
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New enquiries
An enquiry is when a lender checks your report after you apply for credit. Too many in a short time looks risky.
Enquiries in last 6 months
6
Pause new card and loan applications till Jan 2027. Each pull takes 3–5 points off your score.
INCRED FINANCEfor Personal loan Sep 2026
AXIS BANKfor Credit card Aug 2026
IDFC FIRST BANKfor Two Wheeler Loan Jul 2026
BAJAJ FIN LTDfor Consumer loan Jun 2026
YES BANKfor Credit card May 2026
HDFC BANKfor Personal loan May 2026
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Cards & loans
Credit cards
3 · ₹4L total limit
Loans
2 · ₹1.4L outstanding
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SBI SIMPLY SAVE i
Credit Card
Credit limit
₹ 1,00,000
Used in Oct 2026
₹ 71,420

Payment history (last 3 years)

No late payments
JanFebMarApr MayJunJulAug SepOctNovDec
'24 •••• •••• ••••
'25 ••• ✓✓✓✓ ✓✓✓✓✓
'26 ✓✓✓✓ ✓✓✓✓ ✓•••
On time Late • Not reported Disputed
Status
Active
Account opened
May 2019
Last updated by bureau
October 2026
The information here is based on what your bank reports to Equifax. Report an issue to Equifax
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HDFC BANK i
Personal Loan
Sanctioned
₹ 2,50,000
Current balance
₹ 1,42,500

Payment history (last 3 years)

1 late payment, Mar 2026
JanFebMarApr MayJunJulAug SepOctNovDec
'24 •••• •✓✓✓ ✓✓✓✓
'25 ✓✓✓✓ ✓✓✓✓ ✓✓✓✓
'26 ✓✓ ✗ ✓✓✓✓ ✓✓ •••
On time Late • Not reported Disputed
Status
Active
EMI
₹ 7,840 / month
Account opened
June 2024
Last updated by bureau
October 2026
The information here is based on what your bank reports to Equifax. Report an issue to Equifax
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