WHAT IS THE DIFFERENCE BETWEEN CREDIT SCORE AND CIBIL SCORE
                     WHAT IS THE DIFFERENCE BETWEEN 
CREDIT SCORE AND CIBIL SCORE?
If you’ve ever visited a bank or an NBFC seeking a 
loan or to apply for a credit card, then you must 
have come across the terms, ‘credit score’ and 
‘CIBIL score.’ Often, people use the terms 
synonymously with one another. But, that’s not a 
good practice as there lies a subtle difference. And, 
this article will help you understand the fine line 
between credit score and CIBIL score. So, read on…
What is Credit score 
• A credit score reflects the creditworthiness of 
potential borrowers. It is calculated after taking 
borrower’s credit history, including the number 
of credit accounts, total debt and repayment 
history, into consideration. Also, the number of 
enquires made (applications for a loan or a credit 
card) is considered while calculating a credit 
score.
Major Credit Bureaus
Whenever a person applies for a loan, 
lenders want to be assured regarding 
the chances of your repayment to them. 
To help them know about your 
financial background, they turn 
towards your credit history. Since 
banks and NBFCs do not have the right 
to keep a record of so many people, 
government-appointed credit bureaus 
maintains such records that help 
lenders make these decisions.
What is CIBIL Score?
• The credit score offered by 
TransUnion CIBIL, which is 
one of the three credit bureaus 
in India that records credit-
related activities of all 
companies and individuals, is 
referred to as CIBIL score. 
• You can calculate your credit 
score easily here and escape the 
trouble of going to a bank 
branch.
How does CIBIL work?
• Offering glimpses of a credit profile, 
the CIBIL score is a three-digit 
numeric summary of a consumer’s 
credit history. A company or an 
individual is offered a score in the 
range of 300-900. Your chances of 
getting a loan approval rise as your 
CIBIL score inches closer to 900.
Maintain a Good CIBIL
As mentioned above, the credit score that is maintained and offered by TransUnion 
CIBIL is called CIBIL Score. Repayment history plays an influential role when it 
comes to calculating your credit score. And, any late payment of loan EMIs or 
credit card dues can pull your credit score down by 100 or more points.
Clix Capital Services Pvt. Ltd.
Address: 
901b, 9th Floor, Two Horizon Centre, DLF Phase V
Gurgaon, Haryana, India – 122002
Phone Number: 1800 200 9898
Website: https://creditscore.clix.capital
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