I’m seeing different credit scores across bureaus and wanted to understand how lenders interpret them.
Currently my scores are roughly:
• CIBIL – around 761
• Experian – around 775
• Equifax – around 789
I know each bureau uses a different scoring model, but when banks evaluate a credit card or loan application, which bureau do they usually prioritize?
Do lenders look at only one bureau (like CIBIL), or do they check multiple bureaus before approving?
Also, in cases where the scores vary by 20–30 points across bureaus, which one typically carries more weight in India?
Currently my scores are roughly:
• CIBIL – around 761
• Experian – around 775
• Equifax – around 789
I know each bureau uses a different scoring model, but when banks evaluate a credit card or loan application, which bureau do they usually prioritize?
Do lenders look at only one bureau (like CIBIL), or do they check multiple bureaus before approving?
Also, in cases where the scores vary by 20–30 points across bureaus, which one typically carries more weight in India?
