Credit score is different on third party app and CIBIL website

[Lordkk]

My friend just refreshed his credit score on One Score, Amazon and Cibil website.
Score on Cibil website is 778 and on Amazon and One score it is 769.



Which one should be considered accurate? I wonder what score will a bank get if he applies a credit card today and they make a hard enquiry?

I guess may be the score on Cibil is latest and the score they are giving to others are at least few weeks old. Whats you opinion?

If banks get the old score. Then it is better to wait few weeks before applying a credit card after a score increase.


PS: All score are from today. 23 July 2025.

 

[akshayhs]

CIBIL score = CIBIL website.

 

[Lordkk]

CIBIL score = CIBIL website.

You are right but Its not good that they are giving old score to other apps even imobile app. This could be a reason to many being rejected for credit card.

Or there is chance they are giving real score to other apps but showing slightly better score to make people feel good and subscribe to CIBIL. 🤣

 

[helloworld]

You are right but Its not good that they are giving old score to other apps even imobile app. This could be a reason to many being rejected for credit card.

Or there is chance they are giving real score to other apps but showing slightly better score to make people feel good and subscribe to CIBIL. 🤣

cibil is with premium is upto date score, whereas other apps its basically quarterly once. Unless u confirm all three fetched on same date but different scores then its the issue. Otherwise its command for small variance (+/- 10) between dates.

Btw, every financial institute consider score from CIBIL that too based on fetching date score. Not what visible on that app that day. it has no impact, and safely discard.

 

[Lordkk]

cibil is with premium is upto date score, whereas other apps its basically quarterly once. Unless u confirm all three fetched on same date but different scores then its the issue. Otherwise its command for small variance (+/- 10) between dates.

Btw, every financial institute consider score from CIBIL that too based on fetching date score. Not what visible on that app that day. it has no impact, and safely discard.

Same date. All fetched today 23 July 2025. That is the reason I am shocked too. Amazon, imobile and One Score has same but Cibil website has different. If there score is latest they should have given imobile that one instead of old one. I mean its a bank asking for the latest score.

 

[helloworld]

Same date. All fetched today 23 July 2025. That is the reason I am shocked too. Amazon, imobile and One Score has same but Cibil website has different. If there score is latest they should have given imobile that one instead of old one. I mean its a bank asking for the latest score.

when u apply, they'll check fresh score. anyway, only cibil score valid. if any issues with those apps, check them why its different. Moreover, u shouldn't provide valuable data of yours to these apps, not recommended.