why experian and cibil score are different

Experian and CIBIL scores differ primarily because each bureau uses its own proprietary scoring model and distinct algorithms to calculate creditworthiness. While all credit bureaus receive the same underlying credit data from lenders as mandated by the RBI, they apply different *weightage* to various factors, such as payment history, credit utilization, and the length of your credit history. This difference in calculation methodology is the main reason for the final score variation between the two agencies.