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 for both individuals and businesses that give you access to credit scores and credit ratings, respectively. The credit reports issued by CRIF High Mark are known as CRIF credit reports.

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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.

Benefits of Using Paisabazaar to 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 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

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

FAQs

What is the minimum CRIF score required for a personal loan?

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.

How long does CRIF High Mark take to update corrections?

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

How does CRIF High Mark calculate your credit score?

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.

Does CRIF score affect loan approval?

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.

Can I get a loan with a low CRIF score?

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.

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.