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  • Equifax Credit Score Vs CIBIL Credit Score

    Equifax India and CIBIL are credit information bureaus. Both the credit information bureaus offer credit reports and credit scores of customers to their clients.

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    Equifax India offers consolidated reports that contains the complete information about the customers current and previous credit behaviour. CIBIL also offers credit reports that contain the credit behaviour of the customer and how much credit they have utilised and how they have repaid it and if they have missed or defaulted in any accounts.

    1. CIBIL is the first credit bureau company of India whereas Equifax is the second.
    2. The cost of acquiring the credit report from Equifax is Rs.138 and if you require credit score plus the credit information report then it will cost you Rs.400. CIBIL on the other hand offers only one Credit report that contains the credit score as well and it costs you Rs.500.
    3. CIBIL allows you to make the payment through net banking, credit or debit card but Equifax only accepts demand draft.
    4. CIBIL reports can be taken as and when you wish. Equifax gives you an option to get their credit report 4 times in a year so that you can keep a constant vigil over your financial health. For the annual subscription of Equifax credit report, you will have to make a payment of Rs.1,000. You can access your credit score once in every quarter.
    5. To avail CIBIL score, you have to log on to the CIBIL website and complete the online application form. You will be asked 3 to 5 questions regarding your loans to authenticate your transaction. On authentication, you will instantly receive your credit score and the report will be emailed to you. In case the authentication fails, you will be asked to send hard copy of the application form along with documents that validate your identification and address. On verifying this, you will then get a hard copy of the CIBIL report.
      • To access your Equifax report, you have to fill up the KYC form and self-attest the identity and address proof. For identity proof you can submit either your voter ID card, passport, PAN card, driving license or Aadhar card. For address proof, you can submit telephone bill, electricity bill, gas utility bill or credit card statement or ration card or rent agreement. The documents will have to be posted along with the demand draft to Equifax and you will receive the credit report and the credit score the post or courier within 7 working days.
    6. If you find any discrepancy in the credit report that you obtained from CIBIL or Equifax, then you have to notify them and get it resolved. The dispute will be resolved within a maximum of 30 working days.
    7. CIBIL offers a detailed credit report. Equifax also offers a detailed report but it also provides a pictorial representation of the credit report which is easier to understand.
    8. CIBIL has a larger network of clients and partner banks and financial institutions when compared to Equifax.

    You must access both your CIBIL credit report as well as the Equifax Credit report to understand your credit standing. The lenders now don’t just rely on one report, they try to understand the credibility of a person by accessing the various reports and then take a call.

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    Credit Report Reviews

    • 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? 1
      ,
      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? 4
      ,
      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? 22
      ,
      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? 37
      ,
      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? 45
      ,
      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? 45
      ,
      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? 60
      ,
      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? 59
      ,
      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? 54
      ,
      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? 52
      ,
      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? 52
      ,
      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? 46
      ,
      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? 49
      ,
      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? 47
      ,
      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? 57
      ,
      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? 52
      ,
      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? 43
      ,
      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? 50
      ,
      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? 54
      ,
      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? 56
      ,
      Reviewed on Feb 24, 2019
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