GoodScore vs OneScore: Permissions, complaints and safety facts (2026)
Both GoodScore and OneScore let you check your credit score for free on your phone, but they ask for different data. GoodScore reads your text messages, while OneScore tracks your location. Read how they compare on recent user complaints, app stability, and official licence matches.
By Qrates research desk · 2026-10-27
Both apps let you check your CIBIL score for free on your phone, but they ask for different data to do it. GoodScore reads your text messages, while OneScore tracks your location. Neither app matched a licence on the official registers we check. For a broader look at the market, you can compare money apps side by side to see how these tools stack up against others.
Quick answer: GoodScore vs OneScore
Both apps let you check your credit score on your phone, but they ask for different data. GoodScore reads your text messages and phone identity, while OneScore tracks your location.
OneScore has a higher lifetime rating on the Google Play store. GoodScore has a better average score in recent reviews over the last 90 days, scoring 3.70 compared to 2.09 for OneScore.
We could not match a licence for either app on the RBI, SEBI, or IRDAI registers we check. You can see the latest figures for both products on the GoodScore Qrates page and the OneScore Qrates page.
GoodScore and OneScore at a glance
The table below compares both apps side by side. Every number comes from the Qrates directory facts for these products. If you are looking for alternatives, you can browse our list of credit score apps to find other options.
| Feature | GoodScore | OneScore |
|---|---|---|
| Publisher | Arthvit 1809 Tech Private Limited | FPL Technologies Private Limited |
| Google Play lifetime rating | 4.74 | 4.54 |
| Recent review average (last 90 days) | 3.70 | 2.09 |
| Developer reply rate to negative reviews | 74% | 100% |
| Most raised problem in recent reviews | Credit report problems (12 of 400) | Credit report problems (154 of 374) |
| Licence match | None found on registers we check | None found on registers we check |
What each app reads on your phone
GoodScore requests permission to read your text messages, record audio, and read your phone identity (Qrates directory). You grant these permissions when you install the app from the Google Play store. Reading your phone identity allows the app to see your phone number and device details.
OneScore requests permission to see your location and record audio (Qrates directory). It does not ask for permission to read your text messages.
Neither app needs to read your text messages to fetch a credit report from a bureau. Some apps use SMS data to track your expenses or read bank transaction alerts. If data privacy is a concern, you should check your phone settings to see which permissions you have allowed.
What users complain about most
Credit report problems are the most raised issue in store reviews for both apps. The volume differs greatly between the two products. 154 of 374 recent OneScore Google Play reviews cite this problem, compared to 12 of 400 for GoodScore (Qrates directory).
OneScore users also report the app breaking, with 24 of 374 recent reviews mentioning this issue. Another 23 of 374 OneScore users report finding it hard to leave or delete their account.
GoodScore users report issues with data and spam calls, appearing in 3 of 400 reviews. Another 4 of 400 GoodScore users report the app breaking. On the positive side, 26 of 400 recent reviews praise GoodScore for being easy to use.
Licences and regulatory status
We could not match a licence for GoodScore publisher Arthvit 1809 Tech Private Limited on the registers we check. We also could not match a licence for OneScore publisher FPL Technologies Private Limited on the registers we check. Before signing up for any financial service, it is always wise to check if a loan app is RBI registered in 2026 to ensure your data and funds are handled by a regulated entity.
Both apps act as platforms that fetch your score from official credit bureaus like CIBIL or Experian. They do not generate the credit score themselves.
A credit bureau is an RBI approved entity that collects your loan and credit card history from banks. Apps like GoodScore and OneScore partner with these bureaus to show you the data on your phone.
Who each app suits, by need
If keeping your text messages private matters to you, note that OneScore does not ask to read your SMS. GoodScore does ask for this permission.
If recent app stability matters to you, note that GoodScore averages 3.70 in recent reviews. OneScore averages 2.09, with 24 of 374 recent reviews citing app breaks.
If getting a response to a problem matters to you, note that OneScore replies to 100% of one and two-star reviews. GoodScore replies to 74% of its negative reviews.
Frequently asked questions
Is OneScore safe to use for CIBIL?
OneScore asks for permission to see your location and record audio on your phone. We could not match a licence for the app on the registers we check. You will need to decide if you are comfortable sharing this data to check your score.
Does checking credit score on apps reduce it?
Checking your own credit score on any app is a soft inquiry. This does not reduce your CIBIL score. Only hard inquiries from lenders checking your profile for a new loan or credit card will impact your score.
Are there any hidden charges in GoodScore?
Checking your score is free on both apps. There are no direct charges for a basic score refresh. You should read the terms before accepting any loan or credit card offers shown inside the apps.
The short version
- GoodScore has better recent ratings but requires access to your text messages.
- OneScore does not read your text messages but has a lower recent review average (2.09).
- OneScore receives more complaints about credit report problems (154 of 374 recent reviews).
- Neither app matched a licence on the official registers we check.
Sources
- You are being redirected...
- Home | Official website of Reserve Bank of India
- GoodScore review: charges, licences and safety | Qrates
- OneScore review: charges, licences and safety | Qrates
- RBI New CIBIL Score Rules 2026 - Complete Guide | SMFG India Credit
- GoodScore: Credit Score App ਐਪ - App Store
- GoodScore: Credit Score App యాప్ - App Store
- details (play.google.com)
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.