Understand the differences between the two and improve your credit profile now!
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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.
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 |
Important Links
- CIBIL Score
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- Company Credit Report
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- CIBIL Score for Bike Loan
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- CIBIL Score for Education Loan
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- CIBIL Score for Loan Against Property
- 750 Credit Score
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- How to Rectify Negative Credit Report
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- Link Between MCLR and CIBIL Score
- Loan Against Property for CIBIL Defaulters
- How Loan Restructuring Impacts Your CIBIL Score
- Loan Settlement Impact on CIBIL Score
- RBI Guidelines for Credit Information Reports
- Top 7 Credit Rating Agencies in India
- How to Read CIBIL Report?
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.
