The feature allows users to ask questions related to their credit profiles, such as reasons for a score drop, the impact of closing a credit card, or ways to improve their score.
The company said the system combines AI with its existing credit report analysis tools to provide personalised guidance.
Subscribers will also receive instant alerts on changes to their TransUnion CIBIL credit reports, along with daily report refreshes. According to CRED, the alerts are intended to help users identify potentially fraudulent, duplicate, or inaccurate entries earlier.
The company said its existing credit score product has reached 3.6 million monthly active users within a year of launch.
The new feature will be available through monthly and annual subscription plans, as well as one-time access options. Users can also add up to four members under a shared plan, although individual credit information will remain private to each user.
CRED said the conversations with the AI coach will not result in user data being stored or retained.
The launch comes as digital lending and consumer credit usage continue to expand in India, increasing focus on credit awareness and score management among borrowers.
Bhavesh Jain, Managing Director and CEO of TransUnion CIBIL, said greater access to credit has increased the need for awareness and active monitoring of credit health. Miten Sampat, interim CEO of CRED, said the feature is designed to help users better understand and manage their credit profiles over time.
Users will continue to have access to CRED’s existing free credit score features, including monthly score refreshes and score simulation tools.
First Published: Jun 26, 2026 9:45 AM IST
