BankBazaar vs GoodScore vs Olyv: credit score and report apps compared
BankBazaar, GoodScore and Olyv are credit score apps. We could not match a licence for any of them on the registers we check. BankBazaar asks for the fewest phone permissions. GoodScore asks to read text messages and record audio. See how their complaints and developer reply rates compare.
By Qrates research desk · 2026-10-27
BankBazaar, GoodScore and Olyv are credit score apps, but we could not match a licence for any of them on the registers we check. The main difference between them is what they can see on your phone. BankBazaar asks for your location, Olyv asks for your location and text messages, and GoodScore asks to read text messages, record audio and read your phone identity (Qrates directory). Users across all three apps report credit report problems, but Olyv replies to 100% of its negative reviews, while GoodScore replies to 74%.
At a glance: BankBazaar vs GoodScore vs Olyv
| Feature | BankBazaar | GoodScore | Olyv |
|---|---|---|---|
| Licence | None matched | None matched | None matched |
| Phone permissions | Location | SMS, Audio, Phone identity | SMS, Location |
| Recent review average | 3.67 | 3.70 | 3.99 |
| Reply rate to negative reviews | 91% | 74% | 100% |
| Top complaint | Credit report problems | Credit report problems | Pushed into things |
| Days since last update | 2 | 10 | 104 |
You can check the exact phone permissions, recent complaint counts and developer reply rates for yourself on the Qrates directory pages for BankBazaar, GoodScore and Olyv. If you are interested in other financial tools, you can compare money apps side by side to see how they stack up.
What each app can read on your phone
GoodScore requests the most access among the three apps. It asks for permission to read your text messages, record audio and read your phone identity (Qrates directory).
Olyv asks for less access than GoodScore. It asks for permission to read your text messages and see your location.
BankBazaar asks for the least access to your device. It requests only to see your location on your phone.
What users complain about and reply rates
Out of 385 BankBazaar reviews read, 23 raised credit report problems, 11 said nobody answers and 7 felt pushed into things (Qrates directory). The developer replies to 91% of one and two-star reviews. On the positive side, 17 users praised the app for being easy to use and 5 users said it is cheap to run.
Out of 400 GoodScore reviews read, 12 cited credit report problems, 4 said the app breaks and 3 complained about data and spam calls. The developer replies to 74% of negative reviews. The most praised aspect was that it is easy to use, which was noted in 26 reviews.
Out of 400 Olyv reviews read, 7 felt pushed into things, 5 raised credit report problems and 5 said nobody answers. The developer replies to 100% of negative reviews. Users praised the app for being easy to use in 4 reviews, and 3 users said the support team actually helped them.
RBI rules on free credit reports and SMS alerts
The RBI mandates that credit bureaus must provide you with one free full credit report every year. These bureaus include CIBIL, Experian and CRIF High Mark. You must request this report directly from their own official websites.
Under new RBI rules, credit bureaus must also send you an alert. They will send an SMS or email every time your credit report is checked by a bank or an app.
Getting your report directly from the bureau is a simple way to check your score. This method lets you see your report without giving phone permissions to third-party apps. If you are concerned about your data, you can check if a loan app is RBI registered step by step in 2026 to ensure you are using legitimate services.
Who each one suits, by need
If minimal phone permissions matter to you, note that BankBazaar only asks for your location. GoodScore and Olyv both ask to read your text messages. You can explore other credit score apps if you want to see what else is available.
If developer support matters to you, note that Olyv replies to 100% of negative reviews. BankBazaar replies to 91% of negative reviews, and GoodScore replies to 74%.
If you want to avoid audio recording and phone identity tracking, note that GoodScore requests these permissions. The other two apps do not ask for them.
FAQs
Does checking credit score reduce it?
Checking your own credit score is a soft inquiry. This action does not reduce your score.
BankBazaar se CIBIL check karna safe hai?
We could not match a licence for BankBazaar on the registers we check (RBI, SEBI, IRDAI). The app asks for permission to see your location on your phone.
Olyv app real or fake?
Olyv is published by Olyv (Formerly SmartCoin), but we could not match a licence for it on the registers we check. It has over 1 crore installs on Google Play and asks to read your text messages and see your location.
GoodScore app safe hai ya nahi?
We could not match a licence for GoodScore on the registers we check. The app asks for permission to read your text messages, record audio and read your phone identity.
How to check credit score without spam calls?
You can request your one free annual report directly from the official credit bureau websites like CIBIL or Experian. This lets you check your score without using third-party apps that might share your data. If you have had negative experiences with financial services, you can learn how to complain to the RBI Ombudsman on cms.rbi.org.in to seek resolution.
The short version
- None of the three apps have a matched licence on the registers we check.
- BankBazaar asks for the fewest phone permissions, Olyv has the highest reply rate to complaints, and GoodScore asks to read texts and record audio.
- You can bypass apps entirely and get a free report once a year directly from the credit bureaus under RBI rules.
Sources
- BankBazaar review: charges, licences and safety | Qrates
- GoodScore review: charges, licences and safety | Qrates
- Olyv review: charges, licences and safety | Qrates
- Credit Repair in Weeks: Leveraging RBI's New Weekly Reporting for a Faster Score Fix
- Beyond the CIBIL score: Why retail borrowers are paying for credit-health advice | Mint
- What Are the RBI New CIBIL Score Rules 2026?: Hero Fincorp
- RBI Credit Score Rules: Faster Updates, Alerts and Compensation
- New CIBIL Score Rule 2026: What RBI's Update Means
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.