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What is a CRIF High Mark Credit Score?

The CRIF High Mark credit score is a three-digit figure which is assigned to an individual or an entity by CRIF High Mark, one of the four main credit bureaus operating in India. This score is an indicator of your loan repayment ability and is one of the first things a lender checks when they receive your loan application. This article will tell you everything you need to know about the CRIF High Mark credit score.

What is a CRIF High Mark Credit Report?

A CRIF High Mark credit information report is a detailed record of the credit information behaviour displayed by you in the past. Your CRIF High Mark credit information report will include the following bits of information:

  • Your personal details(Name, ID number, date of birth etc.)

  • The number of credit accounts that are active

  • Your repayment history

  • The amount that you still owe the lenders

  • The number of enquiries that have been recently made about you by financial institutions

A lender takes all of this information into account and then decides whether or not you should be granted more credit. This data gives them an indication of your creditworthiness based on which the decision is made.

How to Check Your CRIF High Mark Credit Score and Report?

You can check your CRIF High Mark credit information report and score by following the below-mentioned steps:

  • Fill in Your Personal Details:

Visit the official portal of CRIF High Mark and fill in your details like your full name, mobile number, date of birth, address, and gender. Also, submit any one of your identification details such as PAN, Voter ID, passport number, driving license number, etc.

  • OTP Authentication:

After you have filled in your details correctly, click on ‘Get My Credit Score’. Following this, you will be required to verify your identity with the help of an OTP which will be sent to your registered mobile number. Submit this OTP to proceed.

  • Check Your Score:

Depending on whether it is your first free credit report check of the year or not, you may be redirected to a payment portal. Here you will be required to pay a nominal fee to get your report. Once the amount is paid, your credit score and report should be visible on the screen.

Key Points About the Credit Score Given by CRIF Highmark

Here is a list of pointers that one should know about CRIF Highmark free credit report -

  • The Highmark credit score determines the creditworthiness of loan applicants.

  • The CRIF Highmark score should range between 300 - 900.

  • An individual can generate a CRIF credit report free of cost once a year. Generating credit reports more than once is chargeable and can cost around ₹399.

  • Personal credit score and business credit score are two types of CRIF Highmark scores for individuals and business entities.

  • The major elements that are taken into consideration to determine CRIF Highmark credit score are - credit utilisation ratio, credit card applications, credit mix, credit payment history, etc.


With the help of a good CRIF High Mark credit score, you can enjoy several benefits. These include:

  • You can get pre-approved offers from lenders

  • You can get favourable interest rates on your credit cards or loans

  • You can get easily approved for personal loans, home loans or car loans

  • You may even be able to negotiate repayment terms with your lender

CRIF High Mark Credit Score Ranges

Your CRIF High Mark credit score stays within the range of 300-900. 900 is the highest and best possible score you can get, whereas 300 is the lowest. Depending on the range your credit score falls under, your eligibility for a new loan or credit card is decided. Here is how your creditworthiness is determined by lenders on the basis of your CRIF High Mark credit score:

CRIF Score Range










How Does CRIF High Mark Calculate Your Credit Score?

CRIF High Mark calculates your credit scores with the help of the FICO credit scoring model. As per the scoring model, CRIF High Mark takes certain pieces of your credit information into consideration and assigns each one of them a weightage. These include:

  • Credit Mix

  • Credit History

  • New Credit

  • Payment History

  • Amount Owed

  • Credit Utilisation Ratio


1. Credit Mix:

Your credit mix is essentially the ratio of your unsecured loans to your secured forms of credit

2. Credit History:

The loans and credit cards availed by you in the past years are a part of this section.

3. New Credit:

The credit cards and loans which you have availed in the recent past are also accounted for by CRIF High Mark while calculating your credit score.

4. Payment History:

This is a record of all your credit repayments and late payments (if any).

5. Amount Owed:

Your outstanding dues are also accounted for while calculating your credit score.

6. Credit Utilisation Ratio:

The percentage of your available credit which has already been used is also looked into by CRIF High Mark at the time of calculating your credit score.

FAQs on CRIF High Mark Credit Scores

What is CRIF PCR and what is CRIF BCR?

CRIF PCR stands for a CRIF High Mark personal credit report. As the name suggests, it is a personal credit report which consists of a detailed record of an individual’s credit history and shows the credit behaviour exhibited by them in the past. Meanwhile, BCR stands for the business credit report,  BCR helps a lender assess the credit health of a corporate entity.

How much time does it take to get a credit report from CRIF High Mark?

You can get your CRIF High Mark report within minutes from the official portal. You can download your report from there as well.

How often should you check your CRIF credit score?

It is recommended that you check your CRIF High Mark credit score and report as frequently as possible to understand where you stand in terms of loan eligibility and even keep an eye out for potentially suspicious credit-related activity.

How to contact CRIF High Mark in case of any queries related to my CRIF High Mark credit score/credit report?

You can raise any CRIF credit information-related query through the official portal of CRIF High Mark. Log in to their website, click on ‘Contact Us’ and then fill up a form which will ask you for your contact information and the exact query you have. You can then expect a CRIF executive to get in touch with you shortly either through e-mail or a phone call.

What are the charges that I need to pay to get my CRIF High Mark credit report?

You can check your CRIF High Mark credit score and get your credit information report for free once every year. Thereafter, you will need to pay a fee of ₹399 for the same.

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