Olyv vs OneScore: App features, permissions and user complaints compared
Olyv and OneScore both let you check your credit score on your phone, but they ask for different data. Olyv bundles credit tracking with personal loans and reads text messages. OneScore is a pure credit tracker that asks for audio recording permissions. We compare their features and complaints.
By Qrates research desk · 2026-10-27
Olyv and OneScore both let you check your credit score on your phone, but they ask for different data and serve different needs. Olyv bundles credit tracking with personal loans and asks to read your text messages. OneScore is a pure credit tracker that asks for audio recording permissions, and its users report a high number of credit report problems. You can check the latest figures on the Olyv and OneScore Qrates pages.
Quick answer: The main difference between Olyv and OneScore
Olyv, formerly SmartCoin, bundles credit score tracking with personal loan offers. It requires permission to read your text messages.
OneScore is a pure credit tracking app that shows CIBIL and Experian scores without offering loans. It asks for permission to record audio.
For both apps, we could not match a licence on the registers we check. You can also explore other credit score apps to see how they compare.
At a glance: Olyv vs OneScore
You can compare these products alongside other credit score apps in the Qrates directory.
| Feature | Olyv | OneScore |
|---|---|---|
| Licence | None matched | None matched |
| Google Play rating | 4.77 | 4.54 |
| Recent 90-day review average | 3.99 | 2.09 |
| Phone permissions | Read text messages, See location | See location, Record audio |
| Top complaints | Pushed into things, Credit report problems, Nobody answers | Credit report problems, App breaks, Hard to leave |
| Replies to 1- and 2-star reviews | 100% | 100% |
Core use: Bundled loans vs pure credit tracking
Olyv operates as a loan platform that partners with NBFCs to offer personal loans. It uses the free credit score check as part of its ecosystem to attract users looking for credit.
OneScore focuses strictly on credit tracking and report analysis. It does not offer personal loans directly on its app. For a deeper dive into safety, you might want to read about GoodScore vs OneScore: Permissions, complaints and safety facts (2026).
Phone permissions and data privacy
Olyv requests permission to read your text messages (SMS) and see your location. Loan and credit apps often use this message data to assess financial behaviour before approving a loan.
OneScore requests permission to see your location and record audio. It does not request permission to read your text messages.
Neither app holds a direct RBI, SEBI, or IRDAI licence on the registers we check. This means they operate as technology providers rather than regulated financial institutions. You can learn more about these risks in our guide on Is Olyv safe and registered in India? Permissions and complaints.
What users complain about most
In a sample of 400 recent Google Play reviews for Olyv, 7 users complained about being pushed into things (Qrates directory). Another 5 reported credit report problems, and 5 said nobody answers. On the positive side, 4 users praised the app for being easy to use.
In a sample of 374 recent Google Play reviews for OneScore, 154 users reported credit report problems (Qrates directory). Another 24 said the app breaks, and 23 found it hard to leave or delete their account.
Both Olyv and OneScore reply to 100% of one- and two-star reviews on the Google Play store.
Who each one suits, by need
If you want to check your CIBIL score without receiving loan offers, note that OneScore does not cross-sell personal loans.
If you are looking for a small personal loan and do not mind granting SMS permissions, note that Olyv connects users to NBFC partners. If you want to see how this compares to other platforms, check out our BankBazaar vs Olyv: Loan Apps, Permissions And Complaints Compared analysis.
If recent app maintenance matters to you, note that OneScore was updated 1 day ago.
FAQs
What is the difference between Olyv and OneScore?
Olyv bundles credit score checks with personal loan offers and reads your text messages. OneScore is a pure credit tracker that asks for audio recording permissions.
Is OneScore safe for checking CIBIL score?
OneScore requires permissions to see your location and record audio. We could not match a direct RBI licence for the app on the registers we check.
Olyv app RBI registered hai ya nahi?
We could not match an RBI registration for Olyv on the registers we check. It operates as a technology platform that connects users to partner NBFCs.
Does checking score on OneScore reduce CIBIL?
Checking your own credit score on any app is a soft inquiry. This does not reduce your CIBIL or Experian score.
Can I get a loan from OneScore?
No. OneScore focuses strictly on credit tracking and does not offer personal loans directly on its app.
The short version
- Olyv is a loan and credit app that reads SMS data, while OneScore is a pure credit tracker that asks for audio recording permissions.
- OneScore users report a high number of credit report problems, whereas Olyv users complain about being pushed into actions.
- Neither app is directly licensed by the RBI on the registers we check.
Sources
- Privacy Policy (onescore.app)
- Best Personal Loan Company & Loan Provider in India | Olyv
- OneScore: Get instant free credit score
- Experian India | Consumer Services
- Lending Partners (onescore.app)
- Olyv review: charges, licences and safety | Qrates
- OneScore review: charges, licences and safety | Qrates
- 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.