CIBIL, Experian, Equifax and CRIF: why your scores differ
Four RBI-licensed bureaus, four scoring models, four different numbers — and lenders do not all look at the same one.
3 min read
What you need to know
Each bureau receives data from lenders on its own reporting cycle and applies its own model. A 30-point spread between bureaus is normal, and a much larger gap usually means one bureau is missing an account or holding stale data.
Retail lenders in India lean on CIBIL, several NBFCs prefer Experian, and commercial lending frequently uses CIBIL Rank and CRIF. Before applying, check at least two reports so nothing catches you by surprise at underwriting.
Continue your research
Use this guide alongside our product details and eligibility criteria before choosing a lender.
Frequently asked questions
What is the main takeaway from “CIBIL, Experian, Equifax and CRIF: why your scores differ”?
Four RBI-licensed bureaus, four scoring models, four different numbers — and lenders do not all look at the same one.
What should I check before acting on this credit score guide?
Review the practical points in the guide against your income, obligations, documents and lender requirements.
Can the information in this guide guarantee loan approval?
No. It is general educational information. A bank or NBFC makes the final decision after checking your credit profile, repayment capacity, documents and the applicable product policy.
How can iFINTRUST help after I read this guide?
An iFINTRUST advisor can review your requirement, explain the documents normally requested and help you compare suitable lending options before you apply.