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Credit Score Hub
Four RBI-registered bureaus, one 300–900 scale, one free full report every year, and a dispute route that is free and time-bound by law. What follows is the rulebook — not a score-fix service.
RBI licenses bureaus under the Credit Information Companies (Regulation) Act, 2005. These four hold a certificate of registration — and all of them calibrate to the same 300–900 scale.
Score 300–900RBI registered
India's oldest bureau brand, and the one most lenders name first.
Bureau page →Score 300–900RBI registered
A full-service bureau that publishes a six-input factor list and a three-level grievance ladder.
Bureau page →Score 300–900RBI registered
The bureau with the longest-standing Indian registration, and a formal free-report request route.
Bureau page →Score 300–900RBI registered
The most explicit bureau about dispute mechanics — and about your route to the Ombudsman.
Bureau page →Eight chapters, in the order they usually matter: understand the number, check it cheaply, improve it, then fix what is wrong.
Start here · 7 min read
The three-digit number, who actually makes it, and what a lender does with it.
Core · 8 min read
CIBIL's four key factors, Experian's six inputs, and the 300–900 calibration.
Core · 9 min read
The moves that are actually supported by bureau guidance — and the timeline for each.
Start here · 6 min read
RBI gives you one free full report per bureau per year — how to claim it and what to check.
When things go wrong · 10 min read
Wrong accounts, wrong balances, wrong default dates — the dispute route, the 30-day clock and ₹100 a day.
When things go wrong · 8 min read
Every lender that pulls your report, the alerts RBI requires, and what to do about a check you did not authorise.
When things go wrong · 9 min read
Five steps for an enquiry you never authorised — and the honest limits of what can be removed.
When things go wrong · 10 min read
What to do when a loan or card on your report is not yours.
Four problems, four step-by-step routes. Start with the one that matches what you found.
Who pulled your file, the alerts RBI requires, and the five steps for a check you never authorised.
Step-by-step →The common errors, the dispute route, the 30-day rule and the ₹100-per-day entitlement.
Step-by-step →How days-past-due gets reported — and why a wrong entry is a dispute, not a mark to live with.
Step-by-step →A loan or card in your name that is not yours: lender, bureau, and the government fraud channels.
Step-by-step →Two in-browser checks that run entirely on your side of the screen.
Where your card balances sit against limits, per card and overall — and the paydown that reaches a target you pick.
Eight questions on payments, utilisation, file hygiene and applications — each flagged on-track, worth-a-look or act-now, with nothing stored.
These are the parts of the system that are actually regulatory — and therefore not up for negotiation.
Rule 01
RBI requires every bureau to give you a free full credit report including your score, once in each calendar year (Jan–Dec), with the link on its home page.
Rule 02
File a correction request and the bureau or lender must take steps within 30 days. Past that, ₹100 per calendar day accrues in your favour.
Rule 03
Bureaus must send an SMS/email alert when a lender accesses your report — that is how an unauthorised enquiry gets caught.
Rule 04
Loans you were refused must not appear on an Indian credit report, so a “rejected” entry is something to dispute, not to live with.
Short answers, with the chapter that goes deeper.
Four hold a certificate of registration from the RBI: TransUnion CIBIL, Experian, Equifax and CRIF High Mark. Every one of them calibrates its score to the common 300–900 scale the RBI mandates.
No — they are not competing opinions, they are separate records. All four are RBI-registered and use the same 300–900 scale; your lender decides which bureau it pulls from, and often it is more than one. The reports can differ because each lender reports to each bureau on its own cycle.
Yes. RBI requires every bureau to give you one free full credit report including the credit score, once in each calendar year (January–December), electronically on request and after authentication. The link must be prominent on the bureau's own home page.
You are entitled to ₹100 per calendar day beyond 30 calendar days from your initial filing. Escalate to the bureau's Nodal Officer and Principal Nodal Officer, then to the RBI under the Reserve Bank – Integrated Ombudsman Scheme, 2026 through the RBI Complaint Management System.
Neither. We publish the rules and link straight to each bureau's own free-report page. We never ask for your PAN, never earn from a score-improvement service, and there is no paid lever that changes a score — corrections are free and disputes are the only route.
Glossary
Guides
How to improve your credit score
Payment history, utilisation, mix and age — the levers bureau guidance names, and realistic timelines.
How to read your credit report
A section-by-section walkthrough: personal details, accounts, repayment history, enquiries and dispute flags.
How to remove a wrong credit enquiry
Five steps from spotting an unrecognised enquiry to disputing and tracking it, with what cannot be removed.
Reviewed 23 Sept 2026. Rules change — the RBI directions and each bureau's own pages are the authority, and this hub links straight to them.