CIBIL Score mismatch between personal app & Bank hit

[CcMaverick]

Today I noticed something interesting with CIBIL score.
I have CIBIL subscription and it shows my score on app as 801.
I was exploring a few options for Home loan & went to Bank of India for inquiry.
They told me a hard inquiry is needed to get exact ROI to which I agreed and I already knew that my CIBIL was 801 so was not expecting any better rates from them.
However, to my surprise my CIBIL score which was fetched by bank's system was 829 while the one that I see on my app is 801.

Is this normal? Do banks see a different CIBIL than what it shows us on CIBIL App or 3rd party apps like Gpay, paytm?

Also, most of the banks have better interest rates on CIBIL 824+ & I was always under the impression that 824 is not possible for me as my score is stuck between 800-805 since past 2 years.
P.S. I already have a ongoing HL in HDFC.

 

[asha_kanta_sharma]

• Not really. This difference is normal and banks generally rely on the hard inquiry score for lending decisions.
• Keep your credit healthy, pay EMIs on time, and maintain low utilization to keep or improve that score.

 

[x.xyz35]

Today I noticed something interesting with CIBIL score.
I have CIBIL subscription and it shows my score on app as 801.
I was exploring a few options for Home loan & went to Bank of India for inquiry.
They told me a hard inquiry is needed to get exact ROI to which I agreed and I already knew that my CIBIL was 801 so was not expecting any better rates from them.
However, to my surprise my CIBIL score which was fetched by bank's system was 829 while the one that I see on my app is 801.

Is this normal? Do banks see a different CIBIL than what it shows us on CIBIL App or 3rd party apps like Gpay, paytm?

Also, most of the banks have better interest rates on CIBIL 824+ & I was always under the impression that 824 is not possible for me as my score is stuck between 800-805 since past 2 years.
P.S. I already have a ongoing HL in HDFC.

Same happend with me,,,Cred Cibil showed lesser score while Bank Of India Home Loan fetched 30-40 points higher Cibil

 

[tharun]

However, to my surprise my CIBIL score which was fetched by bank's system was 829 while the one that I see on my app is 801.

Are you sure that the score you saw in bank is CIBIL
Some people previously mentioned that there will be a Experian hunter score for banks internal system that is different from our credit score

 

[CcMaverick]

Are you sure that the score you saw in bank is CIBIL
Some people previously mentioned that there will be a Experian hunter score for banks internal system that is different from our credit score

I didnt see it with my eyes but banker fetched the score in her system and I got the email from CIBIL immediately.
She told me your score is 829 and also told that what you see on paytm is different from what we get in our system.

 

[drvirag]

3rd party apps usually have older cibil score. Bank fetch latest. That's why some difference

 

[ReloadFin]

Is this normal? Do banks see a different CIBIL than what it shows us on CIBIL App or 3rd party apps like Gpay, paytm?

Yes, it's absolutely normal, your real cibil score was what you saw on CIBIL app/third-party apps

So, you must be curious about the bank's score, right?

That was a special or projected score for your credit profile in the context of a home loan essentially, a virtual score assigned to your profile.

(First hand info)

 

[tharun]

what you see on paytm is different from what we get in our system.

This is actually true 3rd party apps often shows different scores even if taken same day(this could be due to their licensing agreements of older score or less updated score for lower costs)

 

[hitirfan]

This is actually true 3rd party apps often shows different scores even if taken same day(this could be due to their licensing agreements of older score or less updated score for lower costs)

I have never observed different CIBIL score on different apps. Same everywhere

 

[tharun]

I have never observed different CIBIL score on different apps. Same everywhere

Could be your profile is very stable unlike ours
I didn't explicitly say about CIBIL ( though thread is on this topic) Experian score changes a lot and CIBIL changes are minor (I have seen same day CIBIL from official website and onescore or cred showing different numbers with 1 or 2 as difference)