Does paying credit card bills improve CRIF score?

Yes, paying your credit card bills on time helps improve your CRIF score.

Why does the CRIF credit score and CIBIL score of the same individual differ?

It happens because each of these bureaus use their own credit scoring model and data sources. Even though the score range is similar, the calculation methods can vary, leading to varying score results.

What is a CRIF Credit Report?

CRIF High Mark is one of the leading credit bureaus in India. Like other credit bureaus, it provides credit reports...

Why Check Credit Score on Paisabazaar ?

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Track Credit Score Seamlessly Every Month

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Google Play Store

4.5_/5

15.6L Reviews

5.7Cr+Satisfied Customers

4Bureau Coverage

800+Cities across India

Why Check Credit Score on Paisabazaar ?

Check Credit Score from All 4 Bureaus

Track Credit Score Seamlessly Every Month

Read Credit Report in Multiple Languages

What Information is Included in a CRIF Credit Report?

A credit report issued by CRIF High Mark provides a detailed view of your credit profile. The table below summarises its key components:

Components	Details Included	Why It Matters
Personal Information	Name, DOB, gender, PAN, mobile number, address, father/spouse name	It helps lenders in verifying your identity.
CRIF Credit Score	Numeric score ranging from 300 to 900	Indicates your creditworthiness
Account Summary	Total accounts, active accounts, overdue accounts, outstanding balance, credit limit, etc.	Provides an overview of your total credit exposure.
Repayment History	Month-wise record of payments, delays (DPD), defaults	Most important factor affecting your credit score
Credit Enquiries	List of lenders who checked your credit and inquiry dates	Shows how often you apply for credit

How to Check and Download Your CRIF Credit Report?

There are two ways to check and download your CRIF credit report. You can access it directly through the official website of CRIF High Mark or you can use the Paisabazaar app for a more convenient experience.

Follow these steps, to download your CRIF credit report through Paisabazaar app:

Step 1 : Open Paisabazaar app and login.

Step 2: On the home screen, tap on ‘ Credit Score ’ option.

Step 3: Your credit score from CIBIL will be displayed on the next screen.

Step 4: Tap on the ‘ HIGHMARK ’ to view your credit score from CRIF.

Step 5 : Select ‘ Download Report ’option below the credit score.

Step 6: Select the Month and Language and tap on ‘ Download Report. ’

Step 7: After payment, you can check your credit report.

Using Paisabazaar app, you can:

check your CRIF credit score along with scores and reports from the other three credit bureaus in one place.
download your credit report in up to five different languages.
watch your Video Credit Report to understand what impacts your score through a personalised video.
use the Credit Score Predictor to see how actions like repaying dues, applying for credit, or missing payments may affect your score.
to understand your credit report better, you can book a one to one session with our experts.

How to Correct Errors in a CRIF Credit Report?

Errors in your credit report can negatively impact your credit score and reduce your chances of loan approval. If you spot any incorrect information in your CRIF credit report, you should take immediate action by raising a dispute with CRIF High Mark.

How to Raise a Dispute in a CRIF Credit Report?

Follow these simple steps to raise a dispute with CRIF High Mark:

Log in to the CRIF High Mark portal.
Go to the “ My Report ” section and select “ Raise a Query ”.
Select the credit report for which you want to raise a dispute and click on “ Proceed ”.
Choose the specific account or information you want to raise a dispute for.
Submit the form to file your request.

Once your request is submitted, a service request/ticket number will be generated and sent to your registered email ID for tracking.

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit score purpose and credit score amount

Apply Now

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit score purpose and credit score amount

Apply Now

FAQs

Most lenders prefer a CRIF credit score of 700 or above for personal loan approval. A higher score increases your chances of approval and helps you secure loans at lower interest rates and better terms.

After filing a dispute, CRIF High Mark claims to provide resolution to the query within 30 days.

CRIF High Mark collects your financial data, such as your repayment history, length of credit history, credit utilisation ratio, etc. from lenders to generate your credit score.

Yes. When lenders receive a loan application, they fetch the loan applicant’s credit score from credit bureaus to assess your creditworthiness. Later, they use the applicant’s score for setting their interest rates.

Even with a low CRIF credit score, there’s a chance for you to get a loan. However, having a lower CRIF score may limit your credit options. Due to this, lenders may also offer credit at higher interest rates to offset the higher credit risk.