Why my credit score varies across credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark.
Yes, credit scores by different bureaus may show slight differences, but they usually fall within the same credit score range. This variation happens because each credit bureaus like CIBIL, Experian, Equifax, or CRIF High Mark, may use a different version of a credit scoring model. These models consider similar factors such as repayment history, credit utilization, and credit inquiries, but may weigh them differently.
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Can you tell the typical score range and what does it mean?
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- Score above 750 is considered excellent credit.
- Score from 700 to 750 is considered good credit.
- Score from 650 to 700 is considered fair credit.
- Score from 600 to 650 is considered poor credit.
- Score below 600 is considered poor credit.
Your credit score varies across bureaus like CIBIL, Experian, Equifax, and CRIF because each one uses its own scoring model and data.
Not all lenders report to every bureau, so one may have more or less information than another. Even with the same data, the way each bureau calculates the score can differ. A variation of 20 to 50 points is normal, and as long as your score is healthy overall, it’s not a concern.
Yeah, credit scores being different across bureaus is super common. Each credit bureau (Experian, Equifax, TransUnion, CIBIL, etc.) gets slightly different data because not every lender reports to all of them. Some banks update one report faster than another, so timing matters too. On top of that, the scoring models aren’t identical, so your credit utilization, repayment history, and credit inquiries can weigh differently depending on which credit score you’re looking at. If the difference is small, that’s just how the system works. If the gap is big, that usually means one of the credit reports is missing info or has an error, and it’s worth pulling your reports to check.