Why do I have different scores from different bureaus?

Because not every lender reports to every bureau, and each bureau may weigh factors slightly differently. Small differences between your CIBIL, Experian, and Equifax scores are normal.

Which credit bureau do Indian credit card issuers check most often?

CIBIL (TransUnion CIBIL) is the most widely used by Indian banks and NBFCs, though many now also check one or more of the other three bureaus.

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Credit bureau

A credit bureau is a licensed agency that collects credit information from banks, NBFCs, and other lenders, then compiles it into credit reports and scores for individuals and businesses. India has four RBI-licensed bureaus: TransUnion CIBIL, Experian, Equifax, and CRIF High Mark. Lenders are not required to report to all four, so your score and report details can genuinely differ slightly from one bureau to another depending on which of your lenders report where.

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Credit bureau

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