Which credit score is most accurate?

No single credit score is considered the most accurate as all four credit bureaus in India—TransUnion CIBIL, Experian, Equifax, and CRIF High Mark—are licensed and regulated by the Reserve Bank of India (RBI). Each bureau uses its own proprietary algorithm and may receive data from lenders at different times, leading to slight variations in scores. While TransUnion CIBIL is the most widely used by Indian banks, all four scores are equally valid and provide a reliable assessment of your creditworthiness.