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  • Equifax Vs CIBIL Vs Experian Vs Highmark

    Lenders like banks and non-banking finance companies rely on credit reports before approving your loan or credit card application. A credit report is computed by credit information companies which are also known as credit bureaus. The credit bureaus collects, collates and aggregates data from its members (individual consumers and lending institutions) to provide information related to the credit history and creditworthiness of an individual. At present, there are a total of 4 credit bureaus in India. All credit bureaus in the country are licensed by the Reserve Bank of India (RBI).

    Here’s a List of 4 Credit Bureaus in India:

    Comparison of the 4 Credit Information Companies in India

    Parameter CIBIL Equifax Experian CRIF Highmark
    Established 2000 License granted in 2010 2006, license granted in 2010 Received licence in 2010
    Cost of the Report Rs.550 for Credit Report + Score. Rs.400 (excluding GST) for Credit Report + Score Rs.399 for Credit Report + Credit Score) Rs.399 (including GST) Credit Report + Credit Score
    Scoring System All credit bureaus in India offer a credit score between 300-900, 900 being the highest. A credit score of 700 and above is considered as ideal. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. A credit score of 700 and above is considered as ideal. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. A credit score of 700 and above is considered as ideal. All credit bureaus in India offer a credit score between 300-900, 900 being the highest. A credit score of 700 and above is considered as ideal.
    Products and Services For Consumers:
    • CIBIL TransUnion Score
    • Credit Information report
    • Market Insights, etc.
    For Companies:
    • Portfolio Review reports
    • CIBIL Company credit information report
    • CIBIL Bureau Analyser, etc.
    Additional solutions:
    • Portfolio Management
    • Fraud prevention
    • Customer acquisition
    • Customs solution, etc.
    For Consumers:
    • Credit information report
    • Equifax alerts
    • Equifax portfolio review
    • Equifax risk score
    For companies
    • Credit risk and fraud management
    • Portfolio management
    • Industry diagnostics, etc.
    For Consumers:
    • Experian Credit Information report
    For companies
    • Customer acquisition
    • Collection and money recovery
    • Customer management
    • Data and Analytics
    • Customer targeting and engagement
    For Consumers:
    • CRIF High Mark Credit Information report
    • Microfinance credit reports
    For Companies:
    • Commercial Score
    • Identification and Anti-Fraud services
    • Predictive Analytics & Scorecards
    Additional solutions:
    • Business Rules and Decision Management
    • Collections Management
    • Loan Origination
    • External Data Connector
    • Deduplication Platform
    Time taken to receive credit report The online credit report is delivered instantly after making the payment. The online credit report is delivered instantly after making the payment. The online credit report is delivered instantly after making the payment. The online credit report is delivered instantly after making the payment.

    Similarities Between the Credit Bureaus

    All the four credit bureaus in the country are licensed by the Reserve Bank of India (RBI). Lenders like banks and non-banking finance companies (NBFCs) send your credit information to all the credit bureaus. They do not differentiate between the bureaus and share all your details related to your credit with them. Each credit bureau has their own algorithm which they use to calculate your credit score. Therefore, credit scores from all the credit bureaus are considered as valid. Although, the algorithm to calculate credit score can be different for different bureaus, the five components that are taken into consideration while calculating the credit score remain the same. Credit bureaus consider factors like repayment history, type of credit, age of credit, credit exposure, and credit inquiries while calculating the credit score. It must be noted that credit scores from two credit bureaus can be different, however, they will be accepted as valid. A marginal difference in credit scores from two different bureaus is common. A difference of around 50-60 points in the credit score is generally observed by banks and NBFC.

    Equifax - Sitemap

    News About Equifax

    • Credit Insight to be launched by Equifax India

      Equifax Credit Information Services Private Limited (ECIS) launched a fully tailor-made data intelligence platform called ‘Credit Insight’. The lending market data will be given an online access by the lending market data to assist understand delinquency, sourcing, and portfolio exposure. The platform delivers highly competitive insights to business entities and permits them to set a yardstick against competitors, delinquency trends, geography and the performance of products. The platform of Credit Insights gives a secure mode to control information to provide an analysis of competitors through providing several filters and drill downs in order to interpret data. K M Nanaiah, Country Head, the improved focus on the decisions of business a need for competitive intelligence in order to assess strategies.

      7 February 2018

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    Credit Report Reviews

    • Experian Credit Report
      "nice"
      0.5 5.0/5 "Blown Away!"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 32
      ,
      Reviewed on Aug 21, 2019
    • Experian
      Experian Credit Report
      "Good place to take personal loans and credit card"
      0.5 2.5/5 "Just OK"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 33
      ,
      Reviewed on Aug 14, 2019
    • Experian Credit Report
      "CT"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 72
      ,
      Reviewed on Jul 11, 2019
    • Experian Credit Report
      "Test Review For CT"
      0.5 4.5/5 "Excellent!"
      OEJHPNETVIWEVVHZFYBHEFWQZAUGPYNLVKXOHPEMZTXMAFHKVUFHMPSEKUFQRIWHKEUVYPFMHCKHQGOSJXJXQPVGYOJRCCKRRSNWLGVLRJBSRLIJLJVZTOWCGGFLBBXJWDUDWATLCKBNABXLPGDZGSTTIXIUVWUTPZQBMWFMPUQPQRGZQGLBDJHYEGQHACNJEJKHQNRGQBGEKYPQQC
      Was this review helpful? 82
      ,
      Reviewed on Jul 04, 2019
    • Experian Credit Report
      "Need to provide reward points and cash back"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 94
      ,
      Reviewed on Jun 26, 2019
    • Experian Credit Report
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In Axis bank, i don't get any offers. 2 years ago, i have started using the card and my credit limit very good which is Rs. 90000 after the usage, they have reduced upto Rs. 42000 and every six month they are enhancing the limit. They are not sending the offers hence i'm planning to close the card by next month since lots of cards are not required.
      Was this review helpful? 86
      ,
      Reviewed on Jun 24, 2019
    • Experian Credit Report
      "SBI bank Credit card"
      0.5 4.5/5 "Excellent!"
      I came SBI card through bank bazar online, I want a best credit cards for me , in bank bazar website I found a SBI card based on my credit score & this card are give me best rewards points , I'm using this card from 2 year & I give best thankful to bank bazar because his customers service is superb.
      Was this review helpful? 105
      ,
      Reviewed on Jun 11, 2019
    • Experian Credit Report
      "CREDIT REPAIR "
      0.5 5.0/5 "Blown Away!"
      I need to share my experience how I evicted all collection on my report. I paid off my hospital bills from the collection agency that the hospital sent me to and the collection refuse to remove from credit. I am trying to get a house. I have called the collection agency and they didn't remove it, so what do i do. It paid off and i want this collection remove. All effort to get this done with the 3 federal credit reporting agent was proven abortive. I did some research and found this credit repairer Global Technologies. I sent a mail to his G mail (globaltechnologies46 at G mail com) how he could get me out of these mess!! He replied and explain in details how he will evict all collection on my report. He did a wonderful job for me.
      Was this review helpful? 112
      ,
      Reviewed on May 10, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      Credit Report is providing a ease way to understand my cibil score and it is providing me an opportunity to apply for n number of banks. It is super good and i find it very cool and comfortable. Having perfect design, user friendly and accurate with more information..
      Was this review helpful? 141
      ,
      Reviewed on May 08, 2019
    • Experian Credit Report
      "Review of Credit Report"
      0.5 5.0/5 "Blown Away!"
      The credit report gives an excellent indication of my credit situation. The reports are updated with a lag. So, the exact credit situation is only reflected after a couple of months. Nevertheless, experience is good. The graphical representations are also good.
      Was this review helpful? 138
      ,
      Reviewed on May 04, 2019
    • Experian Credit Report
      "Ease of use, quick access and detailed report"
      0.5 3.5/5 "Pretty good"
      Recently I was about to apply for a loan and found bankbazaar through a search engine. Wanted to check my eligibility and credit score before i wanted to proceed further, Bankbazaar made it easy as they have all solutions in one platform. Im extremely satisfied with the services.
      Was this review helpful? 143
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 5.0/5 "Blown Away!"
      Awesome Service on credit report which is updated all the time. Very accurate and perfect. I could check and apply for various financial products. Keep it Up Bank Bazaar Team........................................................
      Was this review helpful? 132
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 123
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      " My credit card is not show my security is very good"
      0.5 5.0/5 "Blown Away!"
      Credit card is not show my credit card is very good please help my credit card I have interest credit card please give me credit card I have happy it card miss you me please credit card me I have not credit card please give me credit card thanks give me card
      Was this review helpful? 122
      ,
      Reviewed on Apr 29, 2019
    • Experian Credit Report
      "credit report"
      0.5 5.0/5 "Blown Away!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 131
      ,
      Reviewed on Apr 25, 2019
    • Experian Credit Report
      "Excellent Service by Bank Bazaar"
      0.5 5.0/5 "Blown Away!"
      I could find bank bazaar to be very convenient in checking my credit score for applying any loan or an application for credit cards. Also after keying all the details the bank bazaar people wont disturb. Whenever there is an offer you will get a text regarding the information. Thanks for getting my accurate Credit score
      Was this review helpful? 130
      ,
      Reviewed on Apr 23, 2019
    • Experian Credit Report
      "Experian credit report"
      0.5 5.0/5 "Blown Away!"
      I checked my credit score in bankbazaar web site ,it has given score with in span of seconds. I wondered ,it is free of cost for checking. It is really a wonder. Congrats to bankbazaar team members . Thanks a lot once again to all bankbazaar team members
      Was this review helpful? 155
      ,
      Reviewed on Apr 05, 2019
    • Experian Credit Report
      "Realiable credit score"
      0.5 4.5/5 "Excellent!"
      I checked my credit score in bank bazar website. It gave instantly with all my banking past history. It was very much useful. It helped me know my credit status report at no cost . It only required few hassle free clicks and that over.Really appreciable!
      Was this review helpful? 162
      ,
      Reviewed on Mar 24, 2019
    • Experian Credit Report
      "Credit Score Tracking"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar features from last few years. Service provided by bankbazaar is good when compared to others in the market . Customer service is good and their response is good. One step solution for all you banking needs . A periodic tracking of your credit score is maintained well and kept updated in email as and when new scores arrive .
      Was this review helpful? 174
      ,
      Reviewed on Mar 08, 2019
    • Experian Credit Report
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Thanks I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
      Was this review helpful? 165
      ,
      Reviewed on Mar 02, 2019
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