100 000+
Users received scoring with our help
Privacy
No personal content, only metadata
15+
partners and creditors in Pakistan and other countries
NO CREDIT HISTORY? Download the APP and get your Behavioral score
Take our scoring based on phone metadata: we work with lending partners in 10+ countries. It is based on your behavioral scoring: we analyze only patterns from metadata, we don’t download or read your private documents
Improve your score
Tip 1 — Balance Apps
Limit social media use; spend more time in finance and utility apps.
Tip 2 — Stay Consistent
Maintain daily routines with regular calls, messages, and online activity.
Tip 3 — Use Finance Tools
Install and use trusted finance apps to manage expenses and payments.
Tip 4 — Keep Device Updated
Update software regularly for better security and stable performance.
Tip 5 — Stay Organized
Clear junk files, keep storage clean, and organize important documents.
Tip 6 — Secure Your Phone
Use screen lock, enable two-factor authentication, and protect personal data.
Tip 7 — Be Reliable
Answer important calls, respond promptly to messages, and stay accessible.
Your score
Excellent
What will happen next after installing the app?
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Grant permissions
Each access request is made separately — it can be denied at your discretion
Each access request is made separately — it can be denied at your discretion
Analysis
We only use metadata and highlight clear behavioral signals — for example, rhythm and stability
We only use metadata and highlight clear behavioral signals — for example, rhythm and stability
Send the score
Your lender will receive the score and you will get a real second chance for your application
Your lender will receive the score and you will get a real second chance for your application
Full control
You can turn off access at any time and request data deletion
You can turn off access at any time and request data deletion
Permissions and privacy
Principle
we work only with metadata and aggregates — without personal content. All accesses are based on your explicit consent.
SMS
number/time, type of sender (bank/service/other). Without message text
Call logs
incoming/outgoing, duration, time. Without call recordings and content
Location
aggregated indicators of regularity and stability. Without detailed tracking of routes
Installed apps (optional)
categories and reliability indicators. Without app content
We DO NOT collect
message text, media, call recordings, passwords, contacts, content of banking apps
Storage periods and security
How it works
We don’t read content
We need only facts of events - time, amount, category
We check stability
Repeatability of patterns over a period, absence of sharp anomalies
We form indicators
aggregated indicators without personal content
We look at the rhythm of life
How consistently happen certain events, whether there is regularity
We store only aggregated indicators needed to compute and verify your behavioral score — never message text or call audio. All data is encrypted in transit and at rest. By default, records are retained for up to 180 days and then automatically deleted; you can request earlier deletion in the app at any time. Access to production data is strictly role‑based on a least‑privilege basis, and every action is logged.
Why this is useful
Even without a credit history, our behavioral scoring lets lenders see your real reliability. It is transparent and private: we analyze metadata patterns only—never your personal content. You decide what to share: grant or decline permissions, revoke them later, and request deletion at any time. Because we work straight with lending partners, compliant signals help your application move faster.
Frequently Asked Questions
A credit card is a payment card with which you can borrow money from a bank. The amount that the bank is willing to lend is called the credit limit.
On a credit card, you can keep your money above the credit limit. This money will be subject to all the conditions of the credit card - for example, the cash withdrawal limit and the fee for withdrawing cash above the limit.
These signals help prove reliability—things like regular bill alerts, consistent phone use, or a steady daily routine. It’s pattern-only, not surveillance. You control each permission and can turn location off anytime.
A credit card is a payment card with which you can borrow money from a bank. The amount that the bank is willing to lend is called the credit limit.
On a credit card, you can keep your money above the credit limit. This money will be subject to all the conditions of the credit card - for example, the cash withdrawal limit and the fee for withdrawing cash above the limit.
A credit card is a payment card with which you can borrow money from a bank. The amount that the bank is willing to lend is called the credit limit.
On a credit card, you can keep your money above the credit limit. This money will be subject to all the conditions of the credit card - for example, the cash withdrawal limit and the fee for withdrawing cash above the limit.
Do you read my messages or listen to calls?
On a credit card, you can keep your money above the credit limit. This money will be subject to all the conditions of the credit card - for example, the cash withdrawal limit and the fee for withdrawing cash above the limit.
Why do you ask for SMS/call/log/location permissions?
I’m new to credit / just changed my phone. Can I still get a score?
On a credit card, you can keep your money above the credit limit. This money will be subject to all the conditions of the credit card - for example, the cash withdrawal limit and the fee for withdrawing cash above the limit.
Who can see my data and how long do you keep it?
On a credit card, you can keep your money above the credit limit. This money will be subject to all the conditions of the credit card - for example, the cash withdrawal limit and the fee for withdrawing cash above the limit.