{"id":302,"date":"2025-10-31T12:15:15","date_gmt":"2025-10-31T12:15:15","guid":{"rendered":"https:\/\/blog.goodscore.app\/?p=302"},"modified":"2025-11-07T12:57:06","modified_gmt":"2025-11-07T12:57:06","slug":"why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it","status":"publish","type":"post","link":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/","title":{"rendered":"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It"},"content":{"rendered":"\n<p>It\u2019s pretty standard to see a difference between your <strong>CRIF score<\/strong> and <strong>CIBIL score<\/strong> \u2014 and that\u2019s perfectly normal. Many users wonder why their CRIF score looks slightly lower, but it doesn\u2019t mean anything is wrong. Both are accurate and RBI-approved credit bureaus that track your credit activity. The difference mainly comes from how and when each bureau receives your data.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">CRIF and CIBIL Work Independently<\/h2>\n\n\n\n<p>CRIF High Mark and CIBIL both collect your credit information from banks, NBFCs, and fintech lenders. But every lender reports to them at slightly different times. One bank may update its data with CRIF first, while another may update its data with CIBIL later. Depending on the update cycle, the numbers you see may vary slightly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why the Difference Happens<\/h2>\n\n\n\n<p>Here are a few common reasons for variation between the two scores:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Data update timing:<\/strong> If one bureau has received your latest payment info and the other hasn\u2019t, the score may differ.<br><\/li>\n\n\n\n<li><strong>Lender coverage:<\/strong> Some smaller lenders or fintech companies may report to CRIF first or only to CRIF.<br><\/li>\n\n\n\n<li><strong>Different scoring models:<\/strong> CRIF and CIBIL use their own methods to assess your repayment and usage patterns.<br><\/li>\n\n\n\n<li><strong>Open or closed accounts:<\/strong> If you recently closed a loan or card, one bureau may reflect it faster than the other.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What You Can Do About It<\/h2>\n\n\n\n<p>You don\u2019t need to \u201cfix\u201d the difference because both scores are valid. Lenders accept reports from multiple bureaus. The key is to maintain <strong>healthy credit behaviour<\/strong>, which ensures that all your bureau scores, whether with CRIF or CIBIL, remain strong.<\/p>\n\n\n\n<p>Here\u2019s what really helps your overall credit health:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay all EMIs and credit card bills on time.<br><\/li>\n\n\n\n<li>Keep credit card usage below 30% of the limit.<br><\/li>\n\n\n\n<li>Avoid applying for multiple loans within a short time.<br><\/li>\n\n\n\n<li>Review your <strong>CRIF credit report<\/strong> regularly to stay aware of your progress.<br><\/li>\n<\/ul>\n\n\n\n<p>You can view your CRIF report easily through the<a href=\"https:\/\/goodscore.app\/\"> <strong>check CRIF credit score<\/strong><\/a> platform, which gives a clear snapshot of your credit health and updates regularly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts<\/h2>\n\n\n\n<p>A lower CRIF score compared to CIBIL doesn\u2019t mean a problem \u2014 it just reflects data timing and calculation differences. Both are reliable; lenders trust both, and both accurately reflect your credit behaviour.<\/p>\n\n\n\n<p>Bas yaad rakho \u2014 score ka thoda difference normal hai. Time par payment karo, credit limit wisely use karo, aur apni CRIF report dekhte raho\u2014score automatically strong bana rahega.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>CRIF and CIBIL scores differ due to timing and data updates, not errors. Learn why your CRIF score may vary and what it actually means.<\/p>\n","protected":false},"author":1,"featured_media":569,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[23],"tags":[70,69,68,67,71],"class_list":["post-302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cibil-crif","tag-cibil-score-drop","tag-credit-report-india","tag-crif-score-issues","tag-low-credit-score","tag-score-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Your CRIF Score Is Lower Than CIBIL and How to Fix It<\/title>\n<meta name=\"description\" content=\"CRIF and CIBIL scores differ due to timing and data updates, not errors. Learn why your CRIF score may vary and what it actually means.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It\" \/>\n<meta property=\"og:description\" content=\"CRIF and CIBIL scores differ due to timing and data updates, not errors. Learn why your CRIF score may vary and what it actually means.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/\" \/>\n<meta property=\"og:site_name\" content=\"GoodScore Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/100095023270549\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-31T12:15:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-07T12:57:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"GoodScore\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoodScore_app\" \/>\n<meta name=\"twitter:site\" content=\"@GoodScore_app\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"GoodScore\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/\"},\"author\":{\"name\":\"GoodScore\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#\\\/schema\\\/person\\\/3faee87bf84266d058dcc6e774060205\"},\"headline\":\"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It\",\"datePublished\":\"2025-10-31T12:15:15+00:00\",\"dateModified\":\"2025-11-07T12:57:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/\"},\"wordCount\":413,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp\",\"keywords\":[\"cibil score drop\",\"credit report India\",\"crif score issues\",\"low credit score\",\"score improvement\"],\"articleSection\":[\"CIBIL &amp; CRIF\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/\",\"url\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/\",\"name\":\"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp\",\"datePublished\":\"2025-10-31T12:15:15+00:00\",\"dateModified\":\"2025-11-07T12:57:06+00:00\",\"description\":\"CRIF and CIBIL scores differ due to timing and data updates, not errors. Learn why your CRIF score may vary and what it actually means.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#primaryimage\",\"url\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp\",\"contentUrl\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp\",\"width\":1200,\"height\":800,\"caption\":\"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/\",\"name\":\"GoodScore Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#organization\",\"name\":\"GoodScore\",\"url\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/goodscore-logo.jpg\",\"contentUrl\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/goodscore-logo.jpg\",\"width\":600,\"height\":600,\"caption\":\"GoodScore\"},\"image\":{\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/100095023270549\\\/\",\"https:\\\/\\\/x.com\\\/GoodScore_app\",\"https:\\\/\\\/www.instagram.com\\\/goodscore_app\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/goodscoreapp\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/#\\\/schema\\\/person\\\/3faee87bf84266d058dcc6e774060205\",\"name\":\"GoodScore\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blog.goodscore.app\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/logo2-96x96.jpg\",\"url\":\"https:\\\/\\\/blog.goodscore.app\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/logo2-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/blog.goodscore.app\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/logo2-96x96.jpg\",\"caption\":\"GoodScore\"},\"description\":\"GoodScore helps you understand and improve your credit health with simple, actionable insights. We create easy-to-read guides on credit scores, loans, and personal finance tailored for Indian users.\",\"sameAs\":[\"https:\\\/\\\/blog.goodscore.app\"],\"url\":\"https:\\\/\\\/goodscore.app\\\/blog\\\/author\\\/kuldeep\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It","description":"CRIF and CIBIL scores differ due to timing and data updates, not errors. Learn why your CRIF score may vary and what it actually means.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/","og_locale":"en_US","og_type":"article","og_title":"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It","og_description":"CRIF and CIBIL scores differ due to timing and data updates, not errors. Learn why your CRIF score may vary and what it actually means.","og_url":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/","og_site_name":"GoodScore Blog","article_publisher":"https:\/\/www.facebook.com\/100095023270549\/","article_published_time":"2025-10-31T12:15:15+00:00","article_modified_time":"2025-11-07T12:57:06+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp","type":"image\/webp"}],"author":"GoodScore","twitter_card":"summary_large_image","twitter_creator":"@GoodScore_app","twitter_site":"@GoodScore_app","twitter_misc":{"Written by":"GoodScore","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#article","isPartOf":{"@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/"},"author":{"name":"GoodScore","@id":"https:\/\/goodscore.app\/blog\/#\/schema\/person\/3faee87bf84266d058dcc6e774060205"},"headline":"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It","datePublished":"2025-10-31T12:15:15+00:00","dateModified":"2025-11-07T12:57:06+00:00","mainEntityOfPage":{"@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/"},"wordCount":413,"commentCount":0,"publisher":{"@id":"https:\/\/goodscore.app\/blog\/#organization"},"image":{"@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#primaryimage"},"thumbnailUrl":"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp","keywords":["cibil score drop","credit report India","crif score issues","low credit score","score improvement"],"articleSection":["CIBIL &amp; CRIF"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/","url":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/","name":"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It","isPartOf":{"@id":"https:\/\/goodscore.app\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#primaryimage"},"image":{"@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#primaryimage"},"thumbnailUrl":"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp","datePublished":"2025-10-31T12:15:15+00:00","dateModified":"2025-11-07T12:57:06+00:00","description":"CRIF and CIBIL scores differ due to timing and data updates, not errors. Learn why your CRIF score may vary and what it actually means.","breadcrumb":{"@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#primaryimage","url":"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp","contentUrl":"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/Why-Your-CRIF-Score-Is-Lower-Than-CIBIL-and-How-to-Fix-It.webp","width":1200,"height":800,"caption":"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It"},{"@type":"BreadcrumbList","@id":"https:\/\/goodscore.app\/blog\/why-your-crif-score-is-lower-than-cibil-and-how-to-fix-it\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goodscore.app\/blog\/"},{"@type":"ListItem","position":2,"name":"Why Your CRIF Score Is Lower Than CIBIL and How to Fix It"}]},{"@type":"WebSite","@id":"https:\/\/goodscore.app\/blog\/#website","url":"https:\/\/goodscore.app\/blog\/","name":"GoodScore Blog","description":"","publisher":{"@id":"https:\/\/goodscore.app\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goodscore.app\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/goodscore.app\/blog\/#organization","name":"GoodScore","url":"https:\/\/goodscore.app\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goodscore.app\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/goodscore-logo.jpg","contentUrl":"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/goodscore-logo.jpg","width":600,"height":600,"caption":"GoodScore"},"image":{"@id":"https:\/\/goodscore.app\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/100095023270549\/","https:\/\/x.com\/GoodScore_app","https:\/\/www.instagram.com\/goodscore_app\/","https:\/\/www.linkedin.com\/company\/goodscoreapp\/"]},{"@type":"Person","@id":"https:\/\/goodscore.app\/blog\/#\/schema\/person\/3faee87bf84266d058dcc6e774060205","name":"GoodScore","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blog.goodscore.app\/wp-content\/uploads\/2025\/11\/logo2-96x96.jpg","url":"https:\/\/blog.goodscore.app\/wp-content\/uploads\/2025\/11\/logo2-96x96.jpg","contentUrl":"https:\/\/blog.goodscore.app\/wp-content\/uploads\/2025\/11\/logo2-96x96.jpg","caption":"GoodScore"},"description":"GoodScore helps you understand and improve your credit health with simple, actionable insights. We create easy-to-read guides on credit scores, loans, and personal finance tailored for Indian users.","sameAs":["https:\/\/blog.goodscore.app"],"url":"https:\/\/goodscore.app\/blog\/author\/kuldeep\/"}]}},"_links":{"self":[{"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/posts\/302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/comments?post=302"}],"version-history":[{"count":0,"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/posts\/302\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/media\/569"}],"wp:attachment":[{"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/media?parent=302"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/categories?post=302"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goodscore.app\/blog\/wp-json\/wp\/v2\/tags?post=302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}