Meet each bureau.
Same soft pull. Four different files, models, and lender networks.
TransUnion CIBIL
Primary pull for many home, auto, and premium card underwriters.
- CIBIL Score 2.0
- Prime threshold 750+
- Soft-pull self-check safe
Side-by-side essentials.
Prime cutoffs, engines, and where each bureau tends to show up.
How they compare.
Tap a dimension — see all four at once.
Why scores differ.
A 10–40 point spread across bureaus is common — and expected.
Different update dates
Lenders report on different calendar days — a payment can land on one bureau weeks before another.
Different scoring models
Each CIC weights term loans, revolving credit, and microfinance history differently.
Selective lender feeds
Some regional and niche lenders report to only one or two bureaus.
Isolated hard enquiries
A hard pull sits on the bureau that lender checked — not on all four.
Lenders check one bureau against their cutoff. An average hides the file that actually matters.
RBI protections that apply.
CICRA 2005 and the 2023 Master Directions — in plain language.
One free report / year / bureau
Entitled under RBI guidelines from each licensed CIC.
30-day dispute SLA
CICs and member banks must investigate within 30 days.
Hard-pull alerts
You should be notified when a lender runs a hard enquiry.
RBI Ombudsman path
Escalate unresolved issues via the RB-IOS portal.
Quick answers.
Scores, soft pulls, averages, and disputes — before you compare reports.
Browse guidesIndia has four RBI-licensed CICs. Each uses its own model and receives lender updates on different dates — so a 10–40 point gap is normal.
It depends on the lender and product. Many home/auto underwriters lean on CIBIL; NBFCs often use CRIF; digital issuers frequently pull Experian.
No. There is no official average score. Lenders evaluate one bureau against their policy cutoff — averaging hides real gaps.
No. Self-checks are soft pulls with zero score impact across all four bureaus.
File a dispute with that bureau using your report ID. They must coordinate with the lender and respond within 30 days.
Compare your reports across all four bureaus.
Don’t rely on a single snapshot. See where the details agree — and where they don’t.
