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There is one big misconception that there is a "standard" or an "acceptable" credit score. Actually every bureau has their own scoring system and each one has its own range and algorithm.There is one big misconception that there is a "standard" or an "acceptable" credit score. Actually every burea
Responded by:Responded on19th May 2015
A 720 in Experian's ScoreX Plus is not the same as a 720 in TransUnion's CIBIL™ Score which is different than Equifax's Score. There is a mandate by the RBI to gain convergence in the reporting by the main credit bureaus. Also, every lender also uses their own scoring system that includes many other variables that are not part of your credit report - such as your income, your employer, your place of residence, etc.. So, when comparing different scores compare the range you fall in and don't stress that the numbers don't line up exactly.
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