Good Civil Score App Review – Should You Buy the Subscription?

Importance of CIVIL Score

Now, friends, we all know that if your CIVIL score is low these days, whether you apply for a credit card, a loan, or any other banking product, it’s 100% certain that whatever product you apply for will be cancelled. Because your CIVIL is the key that unlocks your future credit cards and loans.

When it comes to increasing your CIVIL score, many companies today claim to instantly increase your CIVIL score. Whether or not your CIVIL score increases depends entirely on you. If you manage your CIVIL score by properly managing the terms and conditions, there’s a maximum chance your CIVIL score will increase.

Introduction to Good Score App

No one has complete knowledge about CIVIL score improvement. There’s an app called Good Score, widely advertised on Google. People claim that if you install this app and use it properly, your CIVIL score will increase.

But what’s the reality of this application? Let’s understand step by step.

• If you install this application, you’ll be charged a subscription fee.
• Should you purchase this subscription or not?
• If you’ve already purchased it, how can you cancel it?

You’ll get complete knowledge about Good Score in this article.

Downloading and Setting Up Good Score

First, go to the Google Play Store and search for the Good Score Credit Score app.

• The app currently has a 4.7-star rating from 3 lakh users.
• It has been downloaded by over 1 crore people.

When you open the app, you’ll see an option: “Join Now to Increase Your CIVIL Score to 750 Plus”.

Account Creation Process

1. Enter your mobile number and click Next.
2. A 6-digit OTP will be sent to your number. Enter and confirm it.
3. Fill in details such as:
   • First name & last name (as per PAN card)
   • Date of birth
   • Email ID
   • Area PIN code
   • PAN card number

Click submit, and your account will be created.

Features of Good Score App

Feature	Description
Daily Credit Score	Check your latest CIVIL score daily.
Fake Loan Accounts	Identify and raise disputes for fake loan accounts.
Expert Guidance	Watch personalized video guidance from CIVIL experts.
24/7 Chat	Ask questions anytime through live chat.
Score Tips	Follow steps to increase CIVIL score to 750+.

Subscription Plan Details

The app works on a subscription model.

• Monthly fee: ₹84 + GST = ₹99
• Payment methods: Google Pay, PhonePe, Paytm
• Auto deduction: ₹99 will be deducted every month automatically

Should You Buy the Subscription?

If you’re paying ₹100 per month just to increase your credit, it’s not a wise decision.

Why?

• The app cannot magically improve your CIVIL score.
• Your score won’t increase unless you manage your loans and repayments properly.
• Free resources (like YouTube tutorials and blogs) provide the same knowledge.

Tips to Improve CIVIL Score (Without Apps)

Do’s	Don’ts
Use FD-based credit cards to build score.	Avoid applying for multiple loans/cards frequently.
Maintain 30% credit utilization limit.	Don’t overuse your credit card limit.
Repay all existing loans before new applications.	Don’t assume apps alone can improve score.

For example, if you open an FD of ₹5,000 and get an FD-backed credit card, using it properly for 5-6 months will automatically improve your score.

How to Cancel Good Score Subscription

If you’ve already purchased the plan, you can easily cancel:

• Open PhonePe/Google Pay/Paytm.
• Go to Manage Payments > Auto Pay.
• Disable Auto Pay for Good Score.
• Future deductions will stop immediately.

Final Verdict

The Good Score app may look appealing, but paying ₹99 monthly doesn’t guarantee improvement in your CIVIL score. Real improvement comes only from:

• Timely loan repayment
• Maintaining low credit utilization
• Avoiding unnecessary credit inquiries

So, before spending money on this app, try following genuine financial practices that are available for free.