Oolka

Oolka is an Indian credit management app that describes itself as an AI credit expert. Users check their credit score for free. Oolka analyses the credit report to find factors affecting the score and gives personalised insights on improving credit health over time. An optional paid tier, Oolka AI Plus, has the AI act on the user's behalf. It files credit bureau disputes, drafts emails to banks, negotiates settlements and runs a score recovery plan. Users pay only when they want Oolka to take these actions. The site says Oolka does not give loans and is not a loan app. The company says more than 1 crore Indians use it. The operating entity is Oolka Financial Services Private Limited.