What is the CRIF Highmark Credit Score?
CRIF Highmark credit score is a 3-digit numeric summary of your credit history, ranging between 300 and 900. Simply put, a CRIF Highmark credit score closer to 900 indicates a good score and presents low-risk financial behaviour to prospective lenders.
CRIF Highmark Credit Score Range
Poor: 300–500
Fair: 500–700
Good: 700–850
Excellent: 850+
There are two types of CRIF Highmark credit score: Personal Credit Score (PCR)- for individuals, and Business Credit Score (BCR)- for commercial entities such as MSMEs and corporations.
It is a 3-digit numeric summary of your credit history, ranging from 300 to 900.
There are two types of CRIF Highmark credit score: Personal Credit Score (PCR)- for individuals, and Business Credit Score (BCR)- for commercial entities such as MSMEs and corporations.
A CRIF Highmark credit score of more than 750 is usually considered a good score.
Although the other credit bureaus in India have the same credit score range (300 to 900), their formula for computing credit score is different. Therefore, the credit score generated by different credit bureaus for the same individual varies.
High CRIF Highmark credit score is a reflection of your good credit behaviour. This means you represent a low risk of default to the potential lender. So, higher your CRIF Highmark score, higher are your chances of getting a loan or credit at best terms.
Consumers can get one full credit report from CRIF Highmark every year for free. Every successive credit report for the same calendar year carries a fee of ₹399.
Follow the steps given below to get CRIF Highmark credit report and credit score online in India:
Step 1. Go to the official CRIF Highmark website.
Step 2. Click on ‘Get Your Score Now’ tab.
Step 3. Enter your email address and click on ‘Get my Report’.
Step 4. Enter your personal details: Full name, date of birth, gender, mobile number, PAN, address, Aadhaar number, etc.
Step 5. Answer a credit-related security question to confirm your identity or verify using OTP sent to your mobile.
Step 6. After the identity is confirmed, your CRIF Highmark credit report is generated. You can either view or download your CRIF Highmark credit score and credit report.
How Does CRIF Highmark Calculate Credit Score?
CRIF Highmark has its own formula for calculating a person or a business’ credit score. Some key factors that have an impact on CRIF Highmark credit score calculation include:
Repayment history
Credit mix
New credit/loan applications
Outstanding debt
Length of your credit history
CRIF Highmark
CIBIL
Price
CIBIL report and CIBIL score cost ₹550
CRIF Highmark credit report and score costs ₹399 (including GST)
Year Established
CRIF Highmark was established in 2007. It started operating as a credit bureau in 2014
TransUnion CIBIL was established in 2000
CRIF Highmark’s Products and Services
Our journey so far
5 years and counting as India’s 1st app based Credit Line
1.1M
Happy faces
252K
Loans disbursed
5
Years of service
10M+
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