Your Credit Risk Oracle at Potlee

Know your Credit game and understand how you can elevate and improve your credit score

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Why do you need a credit score checker?

A credit score checker is a valuable tool for individuals to monitor their creditworthiness through a three-digit numerical representation. It helps identify errors, detect fraud, and informs decisions on loan or credit card applications. A higher score, such as 750 in Cibil, improves the chances of approval with better rates and terms

What is a credit score? How is a credit score determined?

A credit score, ranging from 300 to 900, statistically represents a person's creditworthiness, indicating their ability to repay borrowed sums. A higher score is advantageous for loan or credit card applications, offering better terms and interest rates, while a lower score suggests a history of late payments and financial irresponsibility

Credit bureaus gather following data to determine a credit score:

Personal information
Credit history length
New credit
Amount owed
Payment history
Credit mix
Why is it necessary to
have a high credit score?

Maintaining a high credit score is essential to increase your loan eligibility, faster loan approvals, benefits of lower interest rates, access to credit cards with alluring rewards, and higher loan amounts qualification and credit card limits.

  1. Increases Loan Eligibility and Accessibility: A high credit score signifies responsible borrowing, enhancing the chances of swift pre-approved loans without processing delays
  2. Low-Interest Rates: A high credit score leads to lower loan interest rates, saving you money in the long run
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What aspects are considered when determining credit score?

The Credit Bureaus take into account the following elements when calculating credit scores:

  1. Credit history and it’s length: History includes information about your account number, credit usage, and any missed or late payments and a long history of on-time payments leads up to 15% of your credit score
  2. Credit score inquiries: This includes loan type, requested amount, and individual or joint application details
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How can one
improve their credit score?
  • Pay your loan instalments on time

  • Pay your bills on time and avoid exceeding your credit limit

  • Pay off any outstanding debts or bills

  • Avoid submitting multiple credit card or loan applications

A credit score of 700 or more is regarded as being good, Here is what lenders investigate when someone requests a loan:

CIBIL report and score
Employment status
Account information
Payment history
EMI-income ratio
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We have got you covered!

Few other factors to look for

000 and STD Codes

Credit bureaus use "000" for accounts in good standing, paid on time. "STD" stands for "Standard," indicating timely payments or dues within 90 days

Dues in Credit Report

Get your credit report from CIBIL, look for any non-"000" or "STD" statuses, dispute errors, and monitor payments for timeliness

Change of Address Impact

Frequent address changes don't impact credit scores but can raise red flags for lenders, affecting credit approval

Unauthorised Report Access

If a lender checks your credit without consent, dispute with the bureau, complain to the lender, and monitor your report to protect your score

Derogatory Remarks

Derogatory remarks in a CIBIL report, like late payments or defaults, can impact credit score and make obtaining credit challenging.

Free Credit Report

Get one free credit report annually from each agency at the official website: annualcreditreport.com or Call 1-877-322-8228 for access

Unaware about loan inquiries in the report?

If you see loans without your knowledge in your credit bureau report, you should first contact the credit bureau and the concerned lender to raise a dispute and request them to investigate the matter. They are required to investigate and respond to your dispute within a specified time frame.


If you are not satisfied with their response or resolution, you may approach the Banking Ombudsman appointed by the Reserve Bank of India (RBI). The Banking Ombudsman is an independent and impartial authority that addresses complaints and grievances related to banking services, including credit reporting issues.


You can file a complaint with the Banking Ombudsman online or in writing, providing all the necessary details and supporting documents. The Banking Ombudsman will then investigate the matter and provide a resolution based on their findings.

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Frequently Asked Questions

What is Potlee?

Potlee is the new BNPL platform that offers instant credit with just a few simple steps. Potlee limit offers instant credit up to ₹ 20,000 is a 100% paperless process.

How can I open a Potlee account?

All you need is an Aadhaar card and a PAN card to open a Potlee account.Enter your Aadhaar linked phone number, complete the KYC and your Potlee account is created.

Does Potlee charge any application fee?

No! Creating a Potlee account is 100% free, with no application fee or any hidden charges.

What is the maximum credit limit that I can get?

The maximum available credit limit is up to ₹20000

Join the Potlee Revolution

Revamp your brand's approach to payments and elevate your customer experience. Get in touch with us today to discover how Potlee can seamlessly integrate with your brand or marketplace

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About us

Welcome to Potlee! We are a part of Decentro Technologies Ltd, operating under the provisions of the Companies Act, 2013. Potlee serves as a sophisticated technical platform, functioning as a credit gateway that links lenders with customers.



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