Why CRIF Score is Less Than CIBIL?

It’s pretty common to see your CRIF score lower than your CIBIL score, and there’s nothing wrong with that. Both bureaus track your credit behaviour, but the data and methods they use differ slightly.

Different Data Sources

Har bureau ke paas sabhi lenders ka data nahi hota. Ho sakta hai aapka ek loan CIBIL ko report ho gaya ho, par CRIF ko thoda late ya incomplete data mila ho. Iss wajah se score difference aa jata hai.

Different Scoring Models

CIBIL aur CRIF dono apne formula se score calculate karte hain. Ek bureau payment history par zyada weightage deta hai, dusra credit mix ya utilisation par. Isliye score thoda vary kar sakta hai.

Update Timing Difference

Kabhi kabhi lenders ek bureau ko data pehle bhejte hain aur doosre ko baad me. Agar CRIF me data update late hua hai, to score temporarily low dikhega.

Missing or Old Accounts

Agar aapke kuch purane ya closed loans CRIF report me reflect nahi ho rahe, to credit history short lagti hai aur score thoda kam dikhta hai.

Hard Enquiries and Utilisation

Agar aapne recent loan applications kiye hain, aur CRIF ne wo pehle capture kiye, to uska effect bhi score par aa sakta hai.

Ab kya karna hai

Dono score valid hain, bas data aur timing alag hota hai. Apna CRIF score GoodScore app par check karo aur report me galti dikhe to dispute raise karo. Time par payment aur kam utilisation se dono bureaus me score gradually improve ho jata hai.