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CRIF High Mark Credit Score

The rush for loans and credit is a common thing in today's fast-paced life. Hence, financial companies and institutions take a lot of factors into consideration before approving loans to avoid any loss. One such parameter is going through your credit score. To fulfil this requirement, several companies provide details of an individual's or company's credit information.


CRIF High Mark is a company that offers products and services related to the credit information of a company or individual. It launched credit bureau operations in India in 2010 and is now one of the major platforms for credit information. The credit score of CRIF ranges between 300 and 900, whereas a credit score above 700 is considered to be excellent. On the other hand, another popular company is CIBIL. You may ask, 'Is CRIF and CIBIL score the same?' Well, CRIF and CIBIL are two different platforms owned by two different companies. Hence, both are different in several instances. Let's understand CRIF vs CIBIL in detail.

CIBIL Credit Score

You may have heard several times about CIBIL scores. So, what exactly is a CIBIL score, and how does it impact your credit information and the probability of getting a loan sanctioned?

CIBIL score is computed by the credit bureau TransUnion CIBIL. It has affiliations with just about all banks which allows it to gauge the creditworthiness of an individual and firms. Based on the consumer information that is stored in the firm’s repository, an individual or company can pay to get their credit history. On the basis of several factors like repayment history, new credit and credit mix, the company calculates your credit history. The score ranges between 300 and 900, where a 300 score reflects a poor history and a score above 700-750 reflects ideal credit history.

CRIF vs CIBIL: Key Differences

Understanding CRIF score vs CIBIL is important so you can have a quick idea of your credit history and proceed with further financial requirements without any hassle. The table below provides detailed information on CRIF Score vs CIBIL Score-


CRIF Score


License from

CRIF Score is licensed by the Reserve Bank of India.

CIBIL Score, licenced by RBI, is owned and maintained by TransUnion, a credit information company.

Stands For

The full name of the company is CRIF High Mark Credit Information Services Private Limited.

CIBIL stands for Credit Information Bureau India Limited.


The company started operating in India in 2010.

The company started operating in India in 2000.

Online Report

No charges

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Score Range

Credit score ranges between 300-900.

Credit score ranges between 300-900.

Basis of Score

Credit score is calculated on the basis of-

  • Repayment history

  • Debt to income ratio

  • Current outstanding credit

  • Credit utilisation ratio

  • Credit credit applications

  • Period of credit history

Credit score is calculated on the basis of-

  • Repayment history

  • Tenure of credit

  • Outstanding debt

  • New credit

  • Credit utilisation ratio

  • Credit mix


The table above indicates various differences between CIBIL and CRIF scores. While CRIF Highmark was incorporated in India in 2010, CIBIL Score has been functional since 2000. Different loan lending institutes choose a particular credit information company to calculate an individual's or company's creditworthiness. Having a good credit history in CIBIL Score will also have somewhat similar results with CRIF Highmark as well. So, try keeping a good credit history, so you never fail to get an instant loan approval.

CIBIL and CRIF: What is the Common Denominator

In the above sections, CRIF credit score vs CIBIL score has been discussed. So, now let's have a look at some of the similarities that both these credit information bureaus hold to have a wider understanding of your credit history:


  • Credit Information Company: The first and the very basic similarity between CIBIL and CRIF score is that both these are credit information companies. Be it CRIF or CIBIL score, you can utilise any of these to get your credit history information. The nature of work of both the companies is almost similar.

  • Licenced by RBI: CIBIL vs CRIF score may differ on various grounds, but both the companies are approved by the Reserve Bank of India. CIBIL TransUnion was licensed in 2000, while CRIF High Mark was licensed in 2010. Since then, both the companies have been serving well to the Indian economy in giving the loan lenders a detailed insight into the borrower's credit history.

  • Parameters to Calculate Credit History: The parameters chosen by both CIBIL TransUnion and CRIF High Mark are majorly similar. Except for a few, both companies have a similar mechanism to calculate the credit score of an individual or a firm. For instance, both companies use repayment history, credit mix, new credit and outstanding debt to make the credit report.

  • Credit Score: The credit score taken into consideration by both CRIF High Mark and CIBIL score are the same. The score ranges between 300 and 900. Here, a 300-500/550 score is considered not so good and a score above 750 is considered excellent.

Which Holds More Weightage between CIBIL and CRIF

Are you confused between CIBIL and CRIF scores? Are you wondering which one holds more weight? Well, as both the companies are individual companies providing almost similar products and services and licensed by RBI, both the scores matter.

It depends on the institute or bank where you have applied for a loan as to which credit information company they prefer for the credit report of the loan borrower. So, accordingly, you can get the report for your credit history. It is very likely that both the companies may reflect somewhat similar credit history because of various similarities in their credit calculation parameters.

Bottom Line

The key to getting instant loan approval and other financial benefits is maintaining a good credit score. It is only possible when you repay your debts on time and without penalties. Not borrowing a loan or financial aid is a sign of a bad credit history. Having a clean financial history will ultimately result in a good credit score no matter which credit calculating company you choose to get your credit report. 

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