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We use these to find your credit report. Checking won't lower your score.

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Both are RBI-licensed bureaus. Scores can differ a little, so lenders may check either.

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Credit bureaus

TransUnion CIBIL or Equifax: which report should you check?

Both are RBI-licensed bureaus and both score you from 300 to 900. Lenders decide which bureau they check, so the loan you want is a good guide to the report you should look at first.

  • TransUnion CIBIL300–900

    TransUnion CIBIL

    India’s oldest and most widely used credit bureau

    TransUnion CIBIL started in 2000 as Credit Information Bureau (India) Limited and is the bureau most Indian banks check first. Your CIBIL Score is a three-digit number from 300 to 900 that sums up how you have handled loans and credit cards.

    Loans commonly assessed with TransUnion CIBIL reports

    • Home Loan

      Banks and housing finance companies almost always pull a CIBIL report for home loans; 750+ unlocks the lowest rates.

    • Personal Loan

      Unsecured, so the CIBIL Score carries the most weight. Most banks want 700 to 750 or more.

    • Loan Against Property

      Large secured loans where lenders check CIBIL for repayment history across all your accounts.

    • Car Loan

      Dealer-tied bank and NBFC finance is usually approved on a CIBIL check within a day.

    • Mortgage Loan

      Lenders look at the age of your credit and any settled or written-off accounts on your CIBIL report.

    Check my CIBIL ScoreAbout TransUnion CIBIL
  • Equifax300–900

    Equifax

    Widely used by NBFCs, digital lenders and microfinance institutions

    Equifax is one of the four credit bureaus licensed by the RBI. Its Indian arm has been operating since 2010 and holds both a consumer bureau and one of the largest microfinance databases in the country, so it is checked heavily by NBFCs, fintech lenders and small-ticket lenders.

    Loans commonly assessed with Equifax reports

    • Personal Loan

      Many NBFCs and app-based lenders decide quick personal loans on an Equifax report.

    • Business Loan

      SME and working-capital lenders often combine your Equifax consumer report with your business credit history.

    • Professional Loan

      Loans for doctors, CAs and other professionals are commonly assessed by NBFCs that use Equifax.

    • Car Loan

      NBFC-financed vehicle loans, including used-car finance, frequently run an Equifax check.

    • Mortgage Loan

      Housing finance companies may check Equifax alongside CIBIL for a fuller picture of your repayments.

    Check my Equifax Credit ScoreAbout Equifax

Lenders may also check Experian and CRIF High Mark. Good habits improve your score at every bureau: pay on time, keep card balances under 30% of the limit, and apply only when you need to.