Difference between CIBIL vs Experian vs CRIF 🙄

[iamPrince]

Currently my CIBIL Score is 780, Experian - 805 and CRIF - 764.
Why this difference ?
Previously my CRIF score was around 780 then I applied for 2 credit cards in the same month, I understand there was a hard enquiry but that should not impact this much to drop more than 15 points straight in the CRIF Score. Meanwhile my CIBIL score and Experian score only dropped by 1-2points.
My Credit card age is more than 2 years and I dont have any loans or any default payments.
On what basis they are calculating the scores ??

FYI - I am checking the scores through
CIBIL - OneScore
Experian - Stable Money
CRIF - Mobikwik

 

[Skylar]

Currently my CIBIL Score is 780, Experian - 805 and CRIF - 764.
Why this difference ?
Previously my CRIF score was around 780 then I applied for 2 credit cards in the same month, I understand there was a hard enquiry but that should not impact this much to drop more than 15 points straight in the CRIF Score. Meanwhile my CIBIL score and Experian score only dropped by 1-2points.
My Credit card age is more than 2 years and I dont have any loans or any default payments.
On what basis they are calculating the scores ??

FYI - I am checking the scores through
CIBIL - OneScore
Experian - Stable Money
CRIF - Mobikwik

There is one more credit bureau, Equifax.

Each bureau employs its own unique algorithm for calculating credit scores.
While CIBIL, Experian, and Equifax have similar algorithms, resulting in minimal differences in their scores, CRIF’s algorithm is more volatile, causing significant fluctuations. However, there is no need for concern as most banks primarily check CIBIL and Experian scores.

 

[zacobite]

Currently my CIBIL Score is 780, Experian - 805 and CRIF - 764.
Why this difference ?
Previously my CRIF score was around 780 then I applied for 2 credit cards in the same month, I understand there was a hard enquiry but that should not impact this much to drop more than 15 points straight in the CRIF Score. Meanwhile my CIBIL score and Experian score only dropped by 1-2points.
My Credit card age is more than 2 years and I dont have any loans or any default payments.
On what basis they are calculating the scores ??

FYI - I am checking the scores through
CIBIL - OneScore
Experian - Stable Money
CRIF - Mobikwik

Plan CIBIL.. others are not so prevalent..780 is gd..