Know Your Score. Own Your Future.
TickPay Smart Scoring gives you a real-time, transparent view of your creditworthiness, no hard pulls, no gatekeeping, no bank bias.
Score breakdown
Five factors, fully transparent. You see exactly what drives your score.
95%
28%
62%
80%
90%
Your score over time
12 months of progress, from 720 to 847. Keep climbing.
How to improve your score
Small habits. Big gains. Here's exactly what to do.
Pay on time, every time
Payment history is the #1 factor. Even one late payment can drop your score significantly.
Keep utilization below 30%
Using less of your available credit signals responsible financial behaviour to lenders.
Don't close old accounts
Older accounts improve your average credit age. Keep them open and occasionally active.
Limit new applications
Multiple credit applications in a short period signal risk. Space them out by at least 6 months.
Check your score. It's free.
Download Chronos and see your TickPay Smart Score instantly. No hard pull, ever.