Check Free CRIF High Mark Credit Report & Score

Key features of the CRIF High Mark credit score are given below:

Suggested Read: How Credit Cards Impact Your Credit Score?

You need to provide the following details to check your CRIF High Mark credit score or to generate your credit report:

Once your account is created, you don't have to provide all details again. You can simply login using your mobile number and OTP.

There are two ways to check the CRIF credit report – First, directly through the CRIF High Mark website (paid) and second, through a third-party portal, such as Paisabazaar.

To check your CRIF High Mark free credit score with monthly updates, you can follow the steps given below*:

Step 1: Visit the Free Credit Score page

Step 2: Fill out important details including your name, date of birth, PAN, mobile number, etc., agree to the terms and conditions and click on “Get Your Credit Score”

Step 3: Follow the subsequent verification steps, including OTP authentication

Step 4: Once your CRIF High Mark credit score is ready, it will be displayed on the screen. You can also login to your Paisabazaar account to view your credit report by CRIF High Mark and other credit bureaus online.

Step 5: You will be automatically notified by Paisabazaar about any changes in your credit report every month. You can track these changes by simply logging into your Paisabazaar account.

*This service is temporarily not available at Paisabazaar. However, one can still get the free credit score from other credit bureaus at Paisabazaar as usual.

CRIF High Mark collects borrowers’ data, such as outstanding loans, repayment records, etc., from lenders, such as banks, credit card providers, and NBFCs. This data is then used to generate credit scores and reports of individuals, as well as institutional borrowers in India.

CRIF High Mark uses its unique algorithm to compute an individual’s credit score. Some key factors that impact your CRIF High Mark credit score are as follows:

A few factors that may impact your credit score if not paid attention to in the long term can be:

Credit mix (types of credit accounts handled in the past) – A mix of unsecured and secured credit products handled successfully by the applicant in the past shows the ability to handle different credit instruments, making the applicant more trustworthy.

The nature, role, and significance of CIBIL and CRIF High Mark are primarily the same but they still share some prominent differences that are discussed below:

Each Credit Information Company or credit bureau has its different mathematical or statistical algorithm to calculate and generate credit reports. Similarly, CRIF High Mark also works on its unique set of algorithms to generate reports for its consumers.

Therefore, the credit score generated by each credit bureau of a particular credit profile shall differ as per the consumer's profile and payment history.

There is no similarity in the criteria implemented by different credit bureaus to generate credit reports. Moreover, the process, algorithm, and formula are kept confidential and not disclosed to any banking or financial entity.

Services Offered by CRIF High Mark

CRIF High Mark collects and maintains credit behaviour data of both individual and institutional borrowers across various loan types and lending institutions to generate credit reports and scores based on this data.

Member institutions like banks and NBFCs are the main source of credit information (data) for the credit bureau. These members work on the principle of reciprocity and thus, lenders offer borrowers' data and avail data regarding the credit behaviour of individuals and commercial entities to make informed lending decisions.

CRIF High Mark credit information services are offered to its consumers - both individuals and commercial entities, including access to their credit reports and scores to view and monitor their financial well-being.

Various services offered by CRIF High Mark to its members and consumers are given below:

Consumer Services:

Member Services:

Members can make informed business decisions relating to customer acquisition, evaluate risk, prevent fraud, etc. using CRIF High Mark credit reports. Given below are some key services offered by CRIF High Mark to its members:

Additional Solutions offered by CRIF High Mark:

CRIF High Mark is a Credit Information Company (CIC) or credit bureau that provides consumer and business credit information to banks, NBFCs, MFIs, insurance companies, Housing Finance Companies (HFCs), rural and cooperative banks, telecom service providers, etc.

The agency also offers business information, analytics, scoring, credit management, and decision solutions. CRIF High Mark was the first to offer microfinance credit reports, commercial scores, and comprehensive Credit Information Reports (CIRs) on borrowers.

Know More about Credit Score