What is a CRIF Score?

A CRIF score is a 3-digit number that shows how well you manage your loans and credit cards, similar to a CIBIL score. It is provided by CRIF High Mark, one of the four major credit bureaus in India, along with CIBIL, Experian, and Equifax. Banks, NBFCs, and fintech apps use this score to check how reliable you are with repayments before approving loans or credit cards.

CRIF Score Range and Meaning

The CRIF score ranges from 300 to 900, with higher scores indicating better credit behavior. Typically, a score above 750 is considered strong, which helps you secure loans more easily and at lower interest rates.

How CRIF Score is Calculated

Score kai factors par depend karta hai:

• Time par EMI aur bill payment

• Credit card limit ka kam use (30% ke andar)

• Bar bar naya loan apply na karna.

• Purane accounts active rakhna

• Credit history kitni lambi hai
  

Why CRIF Score Matters

Banks aur lenders CRIF score dekh kar decide karte hain ki aapko loan ya card milna chahiye ya nahi, high score ka matlab hai aap trustworthy ho aur risk kam hai.

How to Check CRIF Score

Aap apna CRIF score GoodScore app par dekh sakte ho. PAN aur mobile se login karo, OTP verify karo aur apni credit report check karo.

Ab kya karna hai

Agar aap loan ya credit card apply karna chahte hain, to pehle apna CRIF score GoodScore par check karen. Score strong rakhne ke liye time par payment aur responsible credit use zaroori hai.