Which credit score is accurate?

All credit scores provided by RBI-licensed credit bureaus in India—CIBIL, Experian, Equifax, and CRIF High Mark—are accurate and valid. These bureaus use their own proprietary algorithms and data reported by banks to calculate your score. While your score may vary slightly between bureaus due to different scoring models or update cycles, each is a legitimate reflection of your creditworthiness. Lenders choose which bureau’s score to use based on their internal policies, so it is helpful to monitor all four regularly for accuracy.