Experian vs CIBIL Score is a common topic for people checking their credit score. Both Experian and CIBIL are credit bureaus that give you a score based on your loan and credit card history. Many banks in India mostly use CIBIL, but Experian is also reliable. Your score may change a little between both, but they tell lenders how safe it is to give you a loan. Good credit habits help keep both scores high.