Qrates

BankBazaar vs GoodScore: App permissions, spam calls and RBI rules in 2026

Both BankBazaar and GoodScore let you check your credit score on your phone for free, but they ask for different permissions. BankBazaar asks to see your location, while GoodScore asks to read your text messages and record audio. We check their spam complaints and what goes wrong.

By Qrates research desk · 2026-10-27

At a glance: BankBazaar and GoodScore compared

You can verify the exact phone permissions and read the latest user complaints about spam and credit report problems on the Qrates pages for BankBazaar and GoodScore.

Feature BankBazaar GoodScore
Publisher A&A Dukaan Financial Services Private Limited Arthvit 1809 Tech Private Limited
Licence We could not match one on the registers we check We could not match one on the registers we check
Phone permissions See your location Read your text messages, Record audio, Read phone identity
Google Play rating 4.53 from 1.44 lakh ratings 4.74 from 8.36 lakh ratings
Recent review average 3.67 3.70
Top complaints Credit report problems, Nobody answers Credit report problems, App breaks

Phone permissions and data privacy

When comparing GoodScore vs BankBazaar data privacy, the main difference is what they can see on your phone. BankBazaar requests permission to see your location (Qrates directory). GoodScore asks for deeper access, including permission to read your text messages, record audio, and read your phone identity (Qrates directory). You can find more details on how these platforms compare in our guide on BankBazaar vs OneScore: Spam calls, app permissions and accuracy compared.

Apps often use text message access to read bank SMS alerts and track your spending, which you must agree to if you want to use the app.

Spam calls and what users complain about

Many users want to check a free CIBIL score without spam, and both apps have complaints about how they handle user data. For BankBazaar, 7 out of 385 recent Google Play reviews complained about being pushed into things, and 11 complained that nobody answers when they need help (Qrates directory). For GoodScore, 3 out of 400 recent reviews specifically raised problems with data and spam calls (Qrates directory).

Both apps make money by showing you credit card offers and loan products based on your score, which often leads to marketing calls.

Credit score accuracy and RBI rules

Neither app calculates your score. They act as a window to an RBI registered credit bureau like Experian or Equifax. BankBazaar credit score accuracy and GoodScore accuracy depend entirely on the bureau they partner with, which is why 23 BankBazaar users and 12 GoodScore users complained about credit report problems (Qrates directory). If you are concerned about safety, learn how to check if a loan app is RBI registered in 2026 to ensure you are using legitimate services.

Checking your score on either app counts as a soft inquiry and does not drop your score. Under 2026 RBI rules, you can get a full, free credit report directly from the official bureaus once a year without using a third-party app (rbi.org.in).

Who each one suits, by need

If phone privacy matters to you, note that BankBazaar only asks for your location, while GoodScore asks to read your text messages and record audio. If customer support matters to you, note that BankBazaar replies to 91 percent of one and two-star reviews, while GoodScore replies to 74 percent (Qrates directory). If app size and performance matter to you, note that 4 out of 400 GoodScore users complained that the app breaks, while BankBazaar users praised it for being cheap to run (Qrates directory). You can also explore BankBazaar vs GoodScore vs Olyv: credit score and report apps compared for a wider analysis of the market.

FAQs

Is BankBazaar safe for checking CIBIL score?

BankBazaar asks for location data to function. However, we could not match a licence for it on the registers we check (Qrates directory).

BankBazaar aur GoodScore me kaunsa app better hai?

BankBazaar asks for fewer phone permissions but has more complaints about users being pushed into financial products. GoodScore has a higher overall rating but asks to read your text messages and record your audio.

Does checking credit score on GoodScore reduce it?

No, checking your own credit score on GoodScore is considered a soft inquiry. A soft inquiry does not reduce your credit score.

BankBazaar se spam calls aate hai kya?

Users do report receiving marketing calls after using the app. In recent data, 7 out of 385 BankBazaar reviews complained about being pushed into things (Qrates directory).

Which app gives accurate credit score in India?

All legitimate credit score apps pull their data directly from official bureaus like Experian or Equifax. The accuracy depends on the bureau rather than the app itself.

Is GoodScore app real or fake?

GoodScore is a real app with over 1 crore installs and a 4.74 rating on Google Play (Qrates directory). However, we could not match a regulatory licence for it on the registers we check.

How to delete account from BankBazaar?

  1. Open the BankBazaar app on your phone.
  2. Go to the settings or profile section.
  3. Look for the account deletion request option and follow the prompts.

The short version

  • BankBazaar asks for fewer phone permissions but has more complaints about users being pushed into financial products.
  • GoodScore has a higher overall rating but asks to read your text messages and record your audio.
  • Both apps show you a score from an official bureau, and neither has a matched licence on the registers we check.

Sources

Disclaimer

Qrates is an information directory. It takes no commission from any company listed and does not recommend products. Figures are taken from the sources named and dated, and they change; check the company's own page before you decide. This is not investment, credit, insurance or tax advice for your situation.

Related articles