Why do different credit bureaus show different scores?

Short answer
Different credit bureaus show different scores because they use different data, update cycles, and scoring methods. It is normal and not a mistake.

Different Data From Lenders

Not all banks and lenders report data to every credit bureau at the same time. One bureau may receive your latest EMI update, while another is still showing older data. Isliye scores match nahi karte. Aapka behaviour same hota hai, data timing different hota hai.

Different Update Timelines

Each bureau updates credit information in monthly cycles, but those cycles are not aligned. One report may update today, another after two weeks. Agar aapne recently EMI pay ki hai or loan close kiya hai, difference dikhega for some time.

Different Scoring Models

Every credit bureau uses its own scoring formula. Weightage for things like credit utilisation, repayment history, loan mix, and enquiries can differ. Same data ke bawajood, score calculation thoda change ho jaata hai.

Loan Coverage Can Vary

Sometimes a loan or credit card appears in one report but not in another. This happens if the lender reports only to selected bureaus. Jab complete data nahi hota, score bhi different aata hai.

Which Score Do Banks Trust

Banks do not rely on just one score. They look at the credit report details more than the exact number. Trends, repayment history, and defaults matter more than small score gaps.

Should You Be Worried

Small differences are normal. Large differences usually mean missing or incorrect data in one report. In that case, checking and correcting makes sense.

Final Takeaway

Different credit bureau scores are normal due to data timing and scoring methods. Focus on good habits like timely EMIs and low utilisation. Scores will align over time. Number pe zyada stress mat lo, behaviour pe focus rakho.