Question 1

What exactly does Oolka do?

Accepted Answer

Oolka is India's first AI credit expert. It checks your Experian credit score for free, shows exactly what is hurting it, tracks all your loans and EMIs in one place, and can act on your behalf to fix report errors and disputes.

Question 2

Where is Oolka based?

Accepted Answer

Oolka is based in Bengaluru, India. It was founded in 2023 by former Meesho executive Utkrishta Kumar and is backed by Accel, Lightspeed, and Z47.

Question 3

Which credit bureau does Oolka pull my score from?

Accepted Answer

Oolka pulls your credit score and report from Experian, an RBI-licensed credit bureau. Checking your score on Oolka is a soft enquiry, so it never affects your score.

Question 4

What information do I need to give Oolka to check my score?

Accepted Answer

Just your name, mobile number, email, and PAN. A quick OTP on your mobile verifies you with the bureau, and your score shows up in about 30 seconds.

Question 5

Is there a free version or trial of Oolka?

Accepted Answer

Yes. Score checks, AI insights, weekly score tracking, and EMI reminders are free forever. You pay only if you want Oolka to act for you, such as filing disputes or running a score recovery plan.

Question 6

Is Oolka related to Ookla or Speedtest?

Accepted Answer

No. Oolka is an Indian fintech focused on credit management, personal finance management and the two are completely unrelated.

Question 7

Does Oolka have official social media accounts?

Accepted Answer

Yes. Oolka's official Instagram is instagram.com/oolka.in

Question 8

How can Oolka help improve my credit score?

Accepted Answer

Oolka analyses your credit report to identify factors affecting your score, provides personalised AI-powered insights, and helps you take steps to improve your credit health over time.

Question 9

How do I stay updated on new features or announcements from Oolka?

Accepted Answer

Follow Oolka on Instagram (instagram.com/oolka.in) and keep the app updated on the Play Store. New features and announcements also go up on oolka.in.

Question 10

Is my personal and financial data safe with Oolka?

Accepted Answer

Yes. All data travels over secure, encrypted connections and is never used without your consent. Please refer to our Privacy Policy page for more details on data privacy, and data deletion requests are honoured.

Meet Oolka. Every Indian's own relationship manager

Wrong entry in your credit report? Oolka AI files the dispute.