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Check Your Free Experian Credit Score

  • 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.
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    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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