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CIBIL Score and CIBIL Report are different. While CIBIL Score is a 3-digit number summarising an individual's creditworthiness, CIBIL Report provides a detailed overview of credit history, including credit accounts, payment history, and credit inquiries.


It is crucial to understand the difference between CIBIL Score and CIBIL Report for anyone seeking credit in India. 

Key Differences

To better understand the differences between a CIBIL Score and a CIBIL Report, take a look at the following table: 


CIBIL Report

Numerical representation of creditworthiness, ranging from 300 to 900

Comprehensive document detailing credit history, including credit accounts and repayment patterns

Determines the likelihood of loan approval and interest rates

Offers a holistic view of credit behaviour and financial responsibility

Reflects current credit status and payment history

Contains detailed records of credit inquiries and outstanding debts

Updated periodically based on credit activities

Remains a static document until updated by credit bureaus or individuals

Used by lenders to quickly assess creditworthiness

Enables consumers to review and understand their credit history

FAQs on CIBIL Report vs CIBIL Score

Which is more important: CIBIL Score or CIBIL Report?

Both your CIBIL Score and CIBIL Report play an important role in determining your loan eligibility and approval. An ideal credit profile should have a high CIBIL Score backed by a healthy CIBIL Report. By analysing both together, lenders can get a complete view before making lending decisions.

What does it mean if my CIBIL Report shows a score of -1?

A CIBIL Score of -1 means there is insufficient credit information available to calculate your score. This happens when you have no loans or credit cards active or closed in the past 6 months as per your credit report. Once you start building a credit history, an actual 3-digit CIBIL Score will be calculated and visible. 

How can I get my CIBIL Score from my CIBIL Report?

Your CIBIL Score is not directly mentioned on your CIBIL Report. The 3-digit score is generated separately based on the information in your report. You can easily check your CIBIL Score online on Bajaj Markets. 

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