Securely link your profile. Our AI analyzes your credit history and eligibility signals to identify improvement opportunities and relevant partner products.
Receive a personalized roadmap plus suitable loan and insurance options from our NBFC, bank, and insurer partners where applicable.
We monitor changes, alert you to new opportunities, and adapt your plan as you progress.
I was rejected for a home loan three times. Capora identified two errors on my CIBIL report and guided me through disputing them. Within 6 months my score jumped from 612 to 736 and I got my loan approved at a great rate.
The utilization optimizer was a game changer. I had no idea I was using 78% of my credit limit. Capora showed me exactly which cards to pay down and in what order. My score improved by 67 points in just 2 billing cycles.
Starting with a score of 540 felt impossible. The Capora team's action plan was so clear and step-by-step that I never felt lost. 14 months later I'm at 698 and climbing. The AI recommendations genuinely work.
Absolutely not. Capora uses a "soft pull" to access your credit information, which has zero impact on your credit score. Only "hard inquiries" — typically made when you apply for new credit — affect your score. You can check your score on Capora as many times as you like without any negative consequences.
Results vary based on your starting point, but most users see measurable improvement within 1–3 months. Quick wins like reducing credit utilization can show results within a single billing cycle. More significant improvements from dispute resolution typically take 30–45 days. Our users average +112 points over 12 months of active engagement with the platform.
We use industry-standard security measures, including AES-256 encryption for data at rest, TLS encryption for data in transit, access controls, and security monitoring. We do not sell your personal or financial data.
Capora integrates with Experian, a major credit information company in India. We help you monitor your Experian credit report and identify potential issues that may affect your credit health.
