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Understand the differences between the CIBIL score and CIBIL report and take the necessary steps to improve your credit profile now!
A CIBIL score is a 3-digit number ranging from 300 to 900 calculated by TransUnion CIBIL based on the data captured in your CIBIL report. The report contains information about your repayment history, number and age of credit accounts, credit utilisation ratio, types of credit, and more.
This report offers a complete picture, enabling lenders to evaluate lending risk in depth. It also contains your score.
To better understand the differences between a CIBIL score and its report, take a look at this table:
| Parameters | CIBIL Score | CIBIL Report |
|---|---|---|
Definition |
It is a numerical representation of your creditworthiness, ranging from 300 to 900 |
It is a comprehensive document with details of your credit history; includes information about your credit accounts and repayment patterns |
Purpose |
Used by both applicants and lenders as an evaluative metric that reflects the recent changes in your credit history and offers a quick view of credit utilisation |
A comprehensive document accessed by lenders and applicants to evaluate credit behaviour |
Level of Insight |
It provides a basic summary of your credit behaviour |
It offers an in-depth view of your credit behaviour and repayment history |
Time Frame |
As per new RBI rules, it must be updated every 15 days |
It contains detailed records of your credit activity in the last 36 months |
Impact on Loans |
A score above 750 improves the chances of loan approval and may help you secure competitive interest rates |
It helps lenders assess repayment behaviour, defaults, write-offs, and enquiries, offering a complete picture of your creditworthiness |
Your CIBIL report forms the foundation, and your CIBIL score is the outcome generated from it. The report records comprehensive credit information, including loan accounts, repayment history, and credit enquiries.
From this data, a three-digit score ranging between 300 and 900 is generated to reflect your overall creditworthiness.
In essence, the report provides detailed insights, whereas the score offers a concise summary. Lenders typically review both together, using the score for a quick assessment and the report for a more thorough evaluation.
In India, credit reports and credit scores are typically issued by four principal credit bureaus licensed by the Reserve Bank of India (RBI):
TransUnion CIBIL
Experian
Equifax
CRIF High Mark
These bureaus collect and maintain individuals’ and businesses’ credit information, compile detailed reports, and generate credit scores. Financial institutions rely on these reports and scores to evaluate creditworthiness, make informed lending decisions, and manage credit risk effectively.
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 and a healthy CIBIL report. By analysing both, lenders can get a complete view before making lending decisions.
When you access your CIBIL report, the score is prominently displayed at the start of the document.
TransUnion CIBIL, Experian, Equifax, and CRIF High Mark are the four major credit bureaus in India that issue credit scores. A CIBIL score is the credit score assigned by TransUnion CIBIL, but it does not represent the scores issued by other bureaus.
A credit report contains details of your borrowing, repayments, outstanding credit, loan enquiries, defaults, and personal information. A CIBIL report specifically refers to the credit report generated by TransUnion CIBIL.
You are entitled to one free credit report every year from each of the four major credit bureaus in India by visiting their official websites. For additional reports within the same year, you will need to purchase them by paying a subscription fee. You can also use authorised third-party platforms such as Bajaj Markets.
CIBIL provides one free credit report per year. If you want to monitor your score more frequently, you can subscribe to a paid plan that offers multiple reports across the year.
Yes. You can get one free copy of your CIBIL report annually by visiting the official TransUnion CIBIL website. By completing the authentication process and uploading the necessary documents, you can download the report.
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