FREE Equifax Score
Equifax is an RBI-licensed credit bureau that also scores your credit history. Banks and NBFCs use it alongside the other bureaus when you apply. Credit scores in India run from 300 to 900. Most lenders look for 750 or more for the best offers.
Check your score with Fund Finserv
- Free, with no hidden charges
- Won’t lower your score
- Takes about two minutes
- See what helps and hurts your score
Key points
What you should know
- 01
Same habits, every bureau
Paying on time and keeping balances low improves your score at Equifax and every other bureau.
- 02
Spot errors early
Review the accounts listed on your report. A loan you never took could mean an error or identity theft.
- 03
Free yearly report
You can ask Equifax for one free full report a year, as required by the RBI.
About Equifax
Loans assessed with Equifax reports
Equifax Credit Score: 300–900Equifax 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.
Your Equifax Credit Score also runs from 300 to 900. It can differ a little from your CIBIL Score because not every lender reports to every bureau at the same time, and each bureau uses its own scoring model.
Which bureau a lender checks is the lender's choice. Many check more than one.
- Personal Loan
Many NBFCs and app-based lenders decide quick personal loans on an Equifax report.
Apply - Business Loan
SME and working-capital lenders often combine your Equifax consumer report with your business credit history.
Apply - Professional Loan
Loans for doctors, CAs and other professionals are commonly assessed by NBFCs that use Equifax.
Apply - Car Loan
NBFC-financed vehicle loans, including used-car finance, frequently run an Equifax check.
Apply - Mortgage Loan
Housing finance companies may check Equifax alongside CIBIL for a fuller picture of your repayments.
Apply