credit scores to determine eligibility, Oolka focuses on giving users actionable guidance to improve their standing, often within as little as 30 days.

The platform provides intelligent analysis of key credit factors such as credit utilization, timely repayments, and the number of active credit accounts. For those with no existing credit history, Oolka offers a Credit Builder tool to help users start their journey and work toward achieving a high score, potentially reaching 800 or above.