ScoreClimb Credit Growth Loan App Review: Aapko Sachchai Bataoonga!
Namaste doston! Aaj hum baat karenge ScoreClimb Credit Growth Loan App ke baare mein, jo Play Store pe apne aap ko ek credit score checker app ke roop mein pesh karta hai. Lekin jab maine iske customer reviews padhe, toh pata chala ki yeh ek 7-day loan app hai jo apne polished description ke peeche kuch aur hi kahani chhupa raha hai. Toh chaliye, is app ka review karte hain aur dekhte hain ki iski asliyat kya hai—kya yeh sach mein aapki financial health improve karta hai, ya yeh ek fraud ka jaal hai?
App Ka Description: Sundar Sapne Dikhane Wala
ScoreClimb ke Play Store page pe diya gaya description padhkar lagta hai ki yeh ek bharosemand credit management tool hai. Yeh kehta hai:
- Instant Credit Score Access: Aap apna latest credit score dekh sakte hain aur uske changes track kar sakte hain.
- Detailed Financial Insights: Aapki financial health ka pura analysis, weaknesses dikhana aur personalized tips dena.
- Credit Report Analysis: Credit history ka detailed report aur score improve karne ke tips.
- Data Privacy: Advanced encryption se data secure rakhne ka waada.
- User-Friendly Interface: Simple design jo credit tracking ko aasaan banata hai.
Iske alawa, app ek address (Bengaluru, Karnataka) aur email ID bhi deta hai, jo shayad isse legitimate dikhane ki koshish hai. Lekin jab aap customer reviews mein jhanken, toh yeh sundar kahani bikhar jati hai.
Asliyat: Customer Reviews Ki Zubani
Maine ScoreClimb ke users ke reviews padhe, aur jo baatein samne aayi woh app ke description se bilkul alag hain. Yeh raha ek chhota sa summary:
- Unsolicited Loans (Bina Maange Paise): Bahut se users jaise Akhilesh Kumar ne kaha ki unhone loan repay kiya, lekin phir bhi app ne unke account mein bina poochhe paise daal diye aur ab interest ke saath wapas mang rahe hain. Yeh bilkul galat aur shayad illegal bhi hai!
- High Interest aur Hidden Charges: Adithya Anil ne bataya, “Maine 6000 ka loan liya, par mile sirf 3000, aur repay karna pada 8000!” Venkatesh Naidu ne bhi kaha ki 7 din mein double amount repay karna padta hai. Matlab, saaf dikhayi nahi dene wale charges aapko debt trap mein phansa sakte hain.
- Repayment Mein Confusion: Users ko repayment ke liye alag-alag UPI IDs milte hain, aur agar turant UTR number nahi daala toh payment pending dikhata hai—chahe paise bhej diye hon!
- Zero Customer Support: Sachin Kumar, SHRADDHA JADHAV jaise users ne kaha ki na email ka jawab milta hai, na phone pe koi baat karta hai. Problem ho toh aap akela chhod diya jata hai.
- Data Privacy Ka Dhoka: Subhendu Chatterjee jaise users ka maan-na hai ki yeh app sirf data collect karne ke liye hai—contacts, photos tak access mangta hai jo ek credit checker ke liye zaroori nahi.
Yeh reviews sunakar lagta hai ki ScoreClimb credit score badhane ka naam lekar actually ek loan app ban ke users ko loot raha hai.
Red Flags: Yeh App Safe Nahi Hai
ScoreClimb ke saath kuch warning signs hain jo har user ko dikhne chahiye:
- Bina Permission Loan: Aapki marzi ke bina loan credit karna unethical aur illegal hai.
- Transparency Nahi: Fees, interest rates, aur repayment terms chhupaye rakhte hain.
- Data Misuse: Contacts aur gallery tak access lena privacy ke liye khatra hai.
- No RBI Approval: Yeh app kisi RBI-registered NBFC ya bank se juda nahi dikhayi deta, jo legitimate loan apps ke liye zaroori hai.
- Customer Support Ka Abhav: Koi madad nahi milti jab aapko zaroorat hoti hai.
Yeh sab dekhkar lagta hai ki ScoreClimb ek scam app ho sakta hai jo aapke paise aur data dono ke peeche pada hai.
Bada Picture: India Mein Fake Loan Apps
ScoreClimb akela nahi hai. India mein aise fake loan apps ki bheed hai jo:
- Legit Dikhte Hain: Polished names aur designs se bharosa jeet te hain.
- Jaldi Paise Ka Lalach: Urgent need wale logon ko target karte hain.
- Privacy Loot-te Hain: Personal data lekar blackmail ya harassment kar sakte hain.
- RBI Se Bachkar Chalte Hain: Bina approval ke kaam karte hain.
RBI inke khilaf action le raha hai, lekin users ko bhi apni safety ke liye savdhaan rehna padega.
Kya Karein Agar Phans Gaye?
Agar aapne ScoreClimb use kiya aur pareshani mein hain, toh yeh steps lijiye:
- App Se Baat Band: Aur paise na bhejein ya interact na karein.
- Data Secure Karein: Apne accounts monitor karein aur passwords change karein.
- Complaint Karein: RBI, Cyber Crime Portal, ya police mein shikayat darj karein.
- Legal Help Lein: Agar nuksaan hua hai toh lawyer se baat karein.
Future mein loan apps use karne se pehle:
- RBI Check Karein: App kisi registered NBFC se juda ho.
- Reviews Padhein: Description ke alawa asli user feedback dekhein.
- Permissions Na Dein: Zarurat se zyada access wale apps se bachein.
- Clear Terms Maangein: Sab kuch saaf likha hona chahiye.
Conclusion: Savdhani Hati, Durghatna Ghati
ScoreClimb Credit Growth Loan App apne aap ko credit score ka dost batata hai, lekin reviews se lagta hai ki yeh ek chhupa hua loan shark hai. Unsolicited loans, high interest, aur zero support—is app mein woh sab hai jo ek scam app mein hota hai. India mein digital lending ke daur mein aise apps se bache rehna zaroori hai. RBI-approved apps hi use karein, reviews padhein, aur apne financial future ko surakshit rakhein. Yeh app shayad aapke credit score ko climb nahi, balki debt ke gaddhe mein dhakel de!
Toh doston, apna paisa aur data sambhal ke rakhein—kyunki digital duniya mein har chamakne wali cheez sona nahi hoti!
