Which credit score agency is best?

There is no single best credit score agency, as all four major credit bureaus in India—TransUnion CIBIL, Experian, Equifax, and CRIF High Mark—are licensed and regulated by the Reserve Bank of India (RBI). Lenders trust all four agencies to assess creditworthiness. While TransUnion CIBIL is the oldest and most widely used by banks, other bureaus are often preferred by fintech companies. Since each bureau uses a unique algorithm, your score may vary slightly across them, so it is advisable to monitor reports from all four.