Credgenics unveils AI-powered credit score app FixMyScore

By Vriti Gothi

Credgenics, an AI-powered debt collections technology provider, has launched FixMyScore, a consumer-facing platform aimed at helping individuals in India understand and improve their credit scores through data-driven, personalised guidance.

The launch marks Credgenics’ expansion beyond lender-focused collections infrastructure into borrower-centric credit enablement, reflecting a broader industry shift toward preventive and engagement-led credit management. As access to formal credit in India deepens, low financial literacy and opaque credit reporting continue to constrain borrowers’ ability to secure affordable loans, making credit awareness tools increasingly relevant to the sector.

Built on insights from Credgenics’ work with millions of borrowers, FixMyScore is designed to simplify credit score monitoring and improvement through an AI-powered framework. The app provides users with instant access to credit reports via an Indian credit bureau partner, along with score tracking, real-time alerts, and personalised recommendations to address factors affecting creditworthiness. Additional features include debt repayment and settlement guidance, progress roadmaps, and behavioural nudges aimed at sustaining long-term credit health.

A notable element of the platform is its use of video-led explainers and multilingual content, intended to make credit information more accessible to users with varying levels of financial literacy. By combining bureau data with behavioural analytics, FixMyScore seeks to translate complex credit metrics into actionable steps for borrowers.

“With FixMyScore, we want every Indian to easily understand what is impacting their credit score and follow a simple and guided plan to improve it with confidence,” said Rishabh Goel, Co-founder and Chief Executive Officer of Credgenics.

Anand Agrawal, Co-founder and Chief Product and Technology Officer, said, “FixMyScore combines bureau data, behavioural insights and AI with video-led journeys to hand-hold users on score improvement, demystify credit reports and help them unlock better financial opportunities,” he said, adding that the product has seen early user traction.

For the FinTech ecosystem, the launch underscores growing convergence between collections, credit analytics, and consumer financial empowerment. By positioning itself as a consolidated platform for credit monitoring and improvement, FixMyScore aligns with regulators’ and lenders’ emphasis on responsible borrowing, lower delinquencies, and improved credit outcomes, while operating under consent-based data access and privacy standards.