CIBIL vs CRIF Score: Which One Should You Use?

Your guide to smarter credit decisions.

What Is CIBIL?

A Score to check your credit worthiness

Based on repayment history & credit utilization.

Higher scores  =  Easier loans, lower interest.

What Is CRIF?

RBI‑approved alternative credit bureau (CRIF High Mark).

– Also ranges 300–900; - 700+ = Good. – Evaluates similar credit behavior.

Best Practices

– Regularly check both scores (free annually by RBI). – Pay EMIs and credit card bills on time. – Keep credit utilisation under ~30%. – Limit new credit inquiries.

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