Qrates

Is GoodScore safe and registered in India? RBI licence and app permissions

GoodScore is a credit score app published by Arthvit 1809 Tech Private Limited. We could not match a licence for it on the registers we check. The app requests permission to read your text messages and record audio. Recent reviews show users face credit report problems and spam calls.

By Qrates research desk · 2026-10-27

Quick answer: Is GoodScore safe and registered?

GoodScore is a credit score app published by Arthvit 1809 Tech Private Limited, not a direct lender. We could not match a licence for it on the registers we check (RBI, SEBI, IRDAI).

The app requests permission to read your text messages, record audio, and read phone identity. Recent user complaints highlight credit report problems and spam calls. You can see how this compares to other platforms in our GoodScore vs OneScore: Permissions, complaints and safety facts (2026) analysis.

Licence and registration

GoodScore is published by Arthvit 1809 Tech Private Limited. It operates as a credit score checking platform. This means it shows your credit report but does not lend money directly.

We could not match a licence for Arthvit 1809 Tech Private Limited on the registers we check. This includes the RBI list of registered Non-Banking Financial Companies (NBFCs). You can verify the live licence status and publisher details on the GoodScore Qrates directory page.

A formal RBI licence binds a company to strict rules around data privacy, interest rates, and loan recovery. Apps without this licence act as middlemen. They show you offers, but they do not use their own money to fund the loans. For a broader perspective, you might want to look at our BankBazaar vs GoodScore vs Olyv: credit score and report apps compared guide.

Regulator warnings

The RBI and other financial regulators issue alerts about unauthorized lending apps and entities. They publish these lists to help the public avoid illegal platforms. We found no specific regulator warnings against GoodScore or Arthvit 1809 Tech Private Limited on the RBI Sachet portal.

Because GoodScore is not a registered lender, it falls outside direct RBI lending oversight. However, any loan offers shown inside the app must come from registered NBFCs or banks. The actual lender providing the money must hold a valid RBI registration.

What GoodScore can read on your phone

According to the Google Play Store, GoodScore requests permission to read your text messages. It also asks for permission to record audio and read phone identity. You have to grant these permissions to use the features that require them.

Under RBI Digital Lending Directions, regulated apps cannot access media, contact lists, or call logs. Credit score apps often request SMS access to track financial transactions. They read bank alerts in your inbox to estimate your income and spending habits.

The audio and phone identity permissions allow the app to record sound and see details like your device ID. You can compare these specific data practices with other options on the credit score apps page. For more on the risks of aggressive data collection, read our report on BankBazaar vs GoodScore: App permissions, spam calls and RBI rules in 2026.

What users complain about

GoodScore has a 4.74 rating from 8,36,377 ratings and over 1 crore installs. The average of recent reviews over the last 90 days drops to 3.70. This shows a gap between the lifetime score and what current users experience.

Out of 400 recent Google Play reviews read by Qrates, 12 users raised credit report problems. Four reported the app breaks, and 3 complained about data and spam calls. Users often report receiving unwanted calls after checking their score on the platform.

On the positive side, 26 out of 400 users praised the app for being easy to use. The developer replies to 74% of one and two-star reviews. The app was last updated 10 days ago.

How to check this yourself

You can verify the safety and registration of any money app before you install it.

  1. Search the RBI list of registered NBFCs on the official RBI website to verify any lending partners shown in the app.
  2. Look up the publisher name, Arthvit 1809 Tech Private Limited, on the Ministry of Corporate Affairs (MCA) portal to confirm company registration.
  3. Check the 'Data safety' section on the GoodScore Google Play Store page to see exactly what phone permissions it requires before installing.

FAQs

Is GoodScore RBI approved?

We could not match a licence for GoodScore or its publisher on the RBI registers we check. The app acts as a platform rather than a direct lender.

Which NBFC is partnered with GoodScore?

GoodScore is a credit score app. Any loan offers it shows will list specific NBFC partners in the app, which you must verify individually.

Does GoodScore check CIBIL?

The app pulls your credit score from credit bureaus. This may include CIBIL, Experian, or CRIF High Mark.

How to delete GoodScore account?

You can request account deletion through the app settings. You can also do this by contacting the developer support email listed on Google Play.

The short version

  • GoodScore is a credit score app published by Arthvit 1809 Tech Private Limited.
  • We could not match a licence for it on the registers we check (RBI, SEBI, IRDAI).
  • The app requests permission to read your text messages, record audio, and read phone identity.
  • Recent user complaints highlight credit report problems and spam calls.

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. A licence or a clean record today does not guarantee how a company behaves later. To complain, use the regulator's own portal (RBI CMS, SEBI SCORES or IRDAI Bima Bharosa).

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