Cibil score different on different apps

[CyKrome]

I checked my cibil score on 3 different apps. Navi, GPay and CRED(All these apps show the Cibil report not Experian or CIRF).

But I'm getting different cibil score on navi(Less than my previous score) and same on GPay and CRED(More than my previous score). All the scores were checked on the same day and same time.

I also requested slice report that too reflected the same score as navi.

All the reports are opening in the Cibil website when I click the button "View Full Report" inside the respective apps.

Can someone explain?

 

[TaxWiser]

I checked my cibil score on 3 different apps. Navi, GPay and CRED(All these apps show the Cibil report not Experian or CIRF).

But I'm getting different cibil score on navi(Less than my previous score) and same on GPay and CRED(More than my previous score). All the scores were checked on the same day and same time.

I also requested slice report that too reflected the same score as navi.

All the reports are opening in the Cibil website when I click the button "View Full Report" inside the respective apps.

Can someone explain?

The variation in CIBIL scores across the three apps is likely due to each platform retrieving and refreshing the credit information on different dates. Since credit scores are dynamic and influenced by factors like recent credit card payments, new loan inquiries, and changes in credit utilization, even a few day's difference in refresh timing can lead to noticeable discrepancies.

 

[CyKrome]

The variation in CIBIL scores across the three apps is likely due to each platform retrieving and refreshing the credit information on different dates. Since credit scores are dynamic and influenced by factors like recent credit card payments, new loan inquiries, and changes in credit utilization, even a few day's difference in refresh timing can lead to noticeable discrepancies.

This was the first time I fetched cibil report that too as I mentioned on the same day same time.

 

[TaxWiser]

This was the first time I fetched cibil report that too as I mentioned on the same day same time.

Even though you fetched your CIBIL report at the exact same time across all three apps, each app might be pulling that data from CIBIL on a different internal schedule.

For example, App A might have last synced with CIBIL’s servers a few days ago, App B might do real-time pulls, and App C might be using cached data from an earlier sync.

So although your request was simultaneous, what each app had on file from CIBIL at that moment may not have been identical.