Does Your Credit Score Vary Across Bureaus? Here’s Why!​

Do your credit scores across bureaus look like this?

CIBIL score: 780
Equifax score: 775
Experian score: 777

Why the difference? Let’s decode!

There are four credit bureaus in India, and you can check your credit score across any of them. However, your scores might differ across these bureaus.

The difference can be due to various reasons. For starters, different bureaus use different algorithms to calculate credit scores.

The bureaus ask financial institutions for your credit behaviour. Any omission or mistake in communication with a bureau will cause a difference in the score.

Moreover, if there’s a time difference in checking the score, the credit score will differ because of the dynamic credit behaviour.

Though different, your average score can be easily ascertained across bureaus. You should try to maintain the score for easy availability of credit

To maintain and build up your credit score, Metra Trust Credit Cards can be a good choice. They are lifetime free and offer great rewards.