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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

    Credit Report Reviews

    • 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? 10
      ,
      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? 9
      ,
      Reviewed on Mar 02, 2019
    • Experian Credit Report
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using the services of bankbazaar from last 1 year. I checked my credit score using the mobile app which was user friendly and easy to use. Customer service was good and their response was on time. I found all the information at one place on the mobile app.
      Was this review helpful? 26
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have been using the services of bankbazaar from last 5 months. Customer service is fine with bankbazaar and their response was prompt. The website of bankbazaar was easy to use and was user friendly. It was easy to fill the details and check the credit score.
      Was this review helpful? 27
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I had received a mail communication from bankbazaar advising me to check the credit score. Though this was my first experience it was simply superb. As far as the level of service is concerned it was good also the response was on time.
      Was this review helpful? 22
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I was checking on google for personal loans and then i came to know about bankbazaar. The services provided by bankbazaar was good and their response was prompt. The website of bankbazaar is easy to use and also user friendly.
      Was this review helpful? 24
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.5/5 "Excellent!"
      I was looking out for a personal loan and I ended up reaching this site for checking my credit score. The report was very much accurate and informative too. It hardly took 5 minutes for me to fetch the report. Coming to the website even that was very much user friendly.
      Was this review helpful? 23
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.0/5 "Great!"
      Nothing new nor there was no specific reason for checking the credit score infact this is my first experience. It hardly took few minutes for me to fetch the credit report. The report was very much accurate and informative too. Even the response was equally good.
      Was this review helpful? 19
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.0/5 "Great!"
      I did not encounter any issues at the time of fetching the credit report. I have checked my credit score previously too and I would certainly say it was a good experience. It hardly took 2 to 3 minutes for me to fetch the score. According to me the report was accurate,informative and perfect.
      Was this review helpful? 21
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.5/5 "Excellent!"
      To start off, it was a good experience at the time of fetching the credit score. This is the first time i have checked the credit score because i wanted to get the credit card. Report was accurate and was informative. It was easy to fill the details and get the report. In all it was a smooth process.
      Was this review helpful? 19
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I being a Customer of Bankbazaar for the past 1.5 years, thought of checking my credit score on this website. Their customer care executives were kind enough to explain to me about the features and benefits of credit score in detail. I would end up saying that it was a hassle free experience of fetching the credit score.
      Was this review helpful? 26
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      Basically, it was through advertisement I got to know about this website. This is my experience and it is the best too. The Customer service has always been a top notch here. Talking about the website it is very much user friendly and it is very easy to use as well.
      Was this review helpful? 25
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I came to know about bankbazaar through mails and this was my first time experience. Customer service was good and their response was on time. I am using the mobile application of bankbazaar, it is user friendly and easy to use.
      Was this review helpful? 17
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Nice experience"
      0.5 4.0/5 "Great!"
      This review is all about my experience of fetching the credit score, though I dont have any reason for checking the credit score but it was useful for me. I was able to fetch the report successfully moreover I did not find any discrepancies with the report since it was accurate and perfect.
      Was this review helpful? 22
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Best experience"
      0.5 5.0/5 "Blown Away!"
      Hi all, I am a loan seeker and I wanted to check my credit score and that is why I checked my credit score here. I basically like the outlook and the website design. On top of all that, the report fetched was 100% accurate and it was flawless too..
      Was this review helpful? 25
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      The key factor which made to check my credit score was few months ago my credit score was down so i just wanted to check my credit score and I ended up checking my credit score here. Even the website was user friendly. The report was accurate and it was informative too.My experience was completely hassle free.
      Was this review helpful? 27
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Well, I appreciate the efforts taken by Bank Bazaar in providing the credit score feature, in fact it is an excellent idea too. Basically, I got to know about Bank Bazaar through their promotional mails. Therefore I advise all my friends and colleagues to explore all the features and to reap the benefits offered by Bank Bazaar.
      Was this review helpful? 24
      ,
      Reviewed on Feb 22, 2019
    • Experian Credit Report
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I tried fetching my credit score one month back and that is how I started my interaction with Bank Bazaar. It all went well where I had applied for the credit check through internet followed by which, I had received a call from their executives who gave the next steps and finally my credit report was fetched effortlessly.
      Was this review helpful? 23
      ,
      Reviewed on Feb 22, 2019
    • Experian Credit Report
      "Good service"
      0.5 5.0/5 "Blown Away!"
      This is my first experience with Bank Bazaar of fetching my credit score through them although it was the first time it was simple and easy. I had downloaded their mobile application as well and it was a very simple task. Apart from the credit score feature I tried availing loans through Bank Bazaar and their executives were very helpful in providing appropriate guidance.
      Was this review helpful? 26
      ,
      Reviewed on Feb 22, 2019
    • Experian Credit Report
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was through my Husband I got to know about the service rendered by Bank Bazaar and their credit score feature. This happened approximately last week when I tried to fetch my credit score. Their executives came to my aid my doing the necessary followups and finally my credit report was fetched successfully.
      Was this review helpful? 22
      ,
      Reviewed on Feb 22, 2019
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