Consent Withdrawal Policy
GoodScore respects the privacy and data protection rights of its users. We collect, process and store personal and credit information strictly based on explicit user consent, in compliance with applicable laws, RBI guidelines, and credit bureau regulations.
Users have the right to withdraw their consent at any time, subject to regulatory and contractual obligations.
1. Effect of Consent Withdrawal
Consent withdrawal applies to accessing credit information from Credit Information Companies (CICs) and might affect processing personal or financial data by GoodScore and the continued use of GoodScore services.
Upon successful withdrawal of consent:
GoodScore will stop further access to your credit information from credit bureaus.
No fresh credit report pulls or bureau requests will be initiated.
Certain services that depend on credit data may become unavailable.
Data already collected may be retained only as required by law, regulatory guidelines, or for audit/compliance purposes.
2. Process of Consent Withdrawal
2.1. Consent Withdrawal Request
Send an email request
Email us at help@goodscore.app with your registered mobile number, registered email ID, and a clear request for consent withdrawal. An acknowledgment will be shared within 72 working hours.
Identity verification
GoodScore will verify your identity to prevent unauthorized withdrawal. The consent withdrawal will be processed only upon successful verification.
You will be informed about
- Services impacted
- Data retention obligations (if any)
- Effective date of consent withdrawal
Processing completed within 7 working days
Processing will be completed within 7 working days from the date of request.
2.2. Verification & Processing
Once the request is received, GoodScore will verify the user's identity to prevent unauthorized withdrawal. The consent withdrawal will be processed only upon successful verification within 7 working days from the date of request.
2.3. Escalation Details
If you do not receive confirmation within the above timelines or are dissatisfied with the handling of the request, you may escalate using the matrix below.
3. Escalation Matrix
| Level | Name & Designation | Contact Details | Response Time | TAT |
|---|---|---|---|---|
| I | Customer Support Executive | help@goodscore.app08069819392 | 72 Hours | 7 Days |
| II | Ashok Kumar Supervisor, Customer Support | cso@goodscore.app | 48 Hours | 7 Days |
| III | Mohit Sai Chief Grievance Officer | grievances@goodscore.app | 48 Hours | 7 Days |
4. Credit Bureau Related Consent Withdrawal
If you withdraw consent for accessing credit information, GoodScore will notify the relevant Credit Information Company. No further credit report access will be performed post-withdrawal. For correction or dispute of credit information already reported, contact the respective bureau directly:
5. Contact Details
For any queries related to consent withdrawal, you may contact:
WHAT IS GOODSCORE?
HOW DO WE WORK?
We give you access to your detailed credit report after a thorough analysis of your credit profile in the form of personalised video guidance and a step-by-step plan.
Our team analyses all your active and closed credit accounts, and credit behaviour including payment history, defaults, credit utilisation, loan enquiries and balances - all of which are important factors that impact your credit score.
WHY SHOULD YOU USE THE APP?
- Credit Score Tracking: Stay on top of your financial health by tracking your credit score every month. With a detailed credit report, you can easily monitor changes, spot discrepancies, and ensure your credit history is accurately reflected.
- Score Improvement Tips: We help you identify key factors impacting your credit score, offering tailored advice on how to improve them. With our expert guidance, you can work towards reaching a credit score of 750 or higher.
- Personalised Support: Receive a personalised video that explains your credit situation in detail, along with a step-by-step plan for improvement. Plus, enjoy 24x7 chat support to get real-time assistance whenever you need it.
- Account Overview: Easily manage your financial portfolio by tracking all your loans and credit accounts in one centralised location. This streamlined approach helps you stay organised and keep an eye on all your financial obligations.
- Payment Reminders: Never miss a payment again by setting timely reminders for your bills and EMIs. You can also set up autopay requests, ensuring your payments are always on time and helping you avoid late fees and interest charges.
- Bill Payments via BBPS: Seamlessly pay loan repayment EMIs, Credit Card and other utility bills via NPCI’s secure BBPS system.