Difference between Cibil Experian CRIF credit scores

[financewizard]

Is there going to be any impact because of difference between CIBIL and Experian scores?? In my case the experian score is lower and CIBIL is higher. What happens in such cases. Do banks query will all the 3 credit agencies or what happens?
If one is having a average score and one is having a good score then what happens.
Can experts please explain??

 

[anonymuos]

CIBIL ke alava duse bureaus ko banks jyada bhaav nahin dete that's the difference lol

 

[NickQ]

My crif score has been at 749 ever since I've checked it. Is this normal?

 

[CardGame]

My crif score has been at 749 ever since I've checked it. Is this normal?

Yes normal .

 

[hema220]

In my case CRIF is becoming a derogatory remark...
CIBIL - 780
Experian - 820
Equifax - 777
CRIF - 690

CRIF ne alag hi corner bana rakha hai apna

same in my case also, CRIF is around 620 while cibil is 760.

 

[Meas]

Do you know anyone with that kind of score? Highest I've heard of someone is in low 830s. That too after more than 30years of credit history with 0 late payment.😅

My Score
CIBIL Oct 2019 - 859
CIBIL June 2023 - 813
CIBIL Feb 2024 - 770 (?) through SBI
CIRF April 2024 - 890

No late payment or any thing negative ..

Do they reduce score for not increasing limit, or for higher age?

 

[sidp]

My Score
CIBIL Oct 2019 - 859
CIBIL June 2023 - 813
CIBIL Feb 2024 - 770 (?) through SBI
CIRF April 2024 - 890

No late payment or any thing negative ..

Do they reduce score for not increasing limit, or for higher age?

Mostly change in algorithm.

Two levels matter
>760 for cc
>800 for better rate in hl/Pl

 

[Titlewarrior]

Mine is extremely different
Cibil-757 ( no default 100 % perfect)
Experian- 605
Equifax - 652
Crif - 668

Experian, equifax and Crif has one written off account ( an oldest default two wheeler loan opened in 2014)
So the real problem is I won’t get any HDFC credit card due to equifax ( 6 months ago I got preapproved offer but rejected) 🙁