← Full guide: CIBIL vs Experian vs Equifax: Why Your Credit Scores Differ

How Each Bureau's Score Range Works

How Each Bureau's Score Range Works. Check the cause, evidence to keep, exact recovery steps, and escalation. Based on CIBIL vs Experian vs Equifax.

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All four Indian bureaus score on the same 300-900 scale, which makes the numbers look directly comparable even though the underlying models aren't identical.

What applies to this exact problem

All four Indian bureaus score on the same 300-900 scale, which makes the numbers look directly comparable even though the underlying models aren't identical.

BureauScore RangeCommonly Used By
CIBIL (TransUnion CIBIL)300-900Most banks for home and personal loans
Experian300-900Several fintech lenders and NBFCs
Equifax300-900Mixed use across banks and NBFCs
CRIF High Mark300-900Common for microfinance and smaller-ticket loans
Warning: A gap of more than 100 points between any two bureaus is not normal variance — it usually means one bureau has an error, such as a closed loan still showing active, or a payment marked late that was actually on time. Pull the underlying report, not just the score, to find the discrepancy.

Check these first

  • State the exact expected result and the exact result you have now.
  • Find the official record that owns the result and compare it with your evidence.
  • Change one thing at a time, then verify the final state before moving on.

Fix it in this order

  1. State the exact expected result and the exact result you have now.
  2. Find the official record that owns the result and compare it with your evidence.
  3. Download the current report and mark the exact account, enquiry, DPD, status, balance, name, or PAN field that is wrong.
  4. Collect source proof from the lender or your own records. The bureau usually needs the data provider to validate a correction.
  5. Raise a dispute with the correct bureau and separately notify the lender/data provider when the underlying reporting is wrong.
  6. Track the dispute reference and compare the next fresh report, not only a support email saying the case is closed.
  7. If the account is not yours, treat it as possible identity misuse until the lender explains the source.

Build the proof pack

  • Fresh bureau report
  • Loan/card closure or payment proof
  • Lender and bureau dispute references
  • Identity/PAN evidence or fraud complaint where relevant

Avoid making the case harder

  • Paying a credit-repair service to remove accurate negative data
  • Assuming one bureau update fixes every bureau
  • Filing repeated duplicate disputes without new evidence

How you know it is really fixed

  • The official record and your real-world result agree.
  • You have enough written evidence to prove the issue is finished if it returns later.

If it is still not fixed

  1. Lender grievance/nodal officer
  2. Bureau escalation route
  3. RBI CMS for eligible unresolved complaints involving regulated lenders

Official sources from the full guide

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This page solves one branch. The parent guide covers the full decision, edge cases, alternatives, and related checks.

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