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A CIBIL score is a 3-digit number, summarising your creditworthiness. Meanwhile, a CIBIL report provides a detailed overview of your credit history. This includes information about your credit accounts, payment history, and credit inquiries.

Key Differences

To better understand the differences between a CIBIL score and CIBIL report, take a look at this table:

CIBIL Score

CIBIL Report

It is the numerical representation of your creditworthiness, ranging from 300 to 900

It is a comprehensive document with details of your credit history. This includes information about your credit accounts and repayment patterns.

An evaluative metric that reflects the recent changes in your credit history. Usually checked by the individual/applicant.

An in-depth view into your credit behaviour and habits, it is usually accessed by lenders

It provides a base-level understanding of your credit history

It offers an in-depth view of your credit behaviour and repayment history

It is calculated based on your credit activity in the last 24 months

It contains detailed records of your credit activity in the last 36 months

It is checked through a soft inquiry which does not impact your score

It is checked through a hard inquiry which may impact your score

Frequently Asked Questions

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, lenders can get a complete view before making lending decisions.

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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