Which credit score bureau is the most important?

TransUnion CIBIL is considered the most important and widely used credit bureau in India. Established in 2000 as the country's first credit information company, it is the primary benchmark for most banks and financial institutions when evaluating loan and credit card applications. While other RBI-licensed bureaus like Experian, Equifax, and CRIF High Mark are equally valid and reliable, CIBIL holds the largest market share and is recognized by over 90 percent of lenders for assessing creditworthiness.