CIBIL Score vs. Report: What's the Difference?

The CIBIL Score and CIBIL Report are two important components that help decide whether you are eligible for a loan. But how are they different from each other?


The CIBIL score is a 3 digit number ranging between 300 to 900 whereas the CIBIL Report is a detailed document that contains your credit history and personal information.


We want to help you better understand these two terms. Read on to see 3 key differences between them below!


  1. Amount of Time Considered: The CIBIL Score is calculated based on the past 2 years of your credit history whereas the CIBIL Report consists of all of your credit details from the past 3 years.

  2. Information Present: A CIBIL Report consists of your personal information including name, contact information, employment history, address, etc. It also has detailed credit history such as loan payments, defaults, and settlements as well as credit card defaults, payments, and cancellations. Your 3 digit CIBIL Score can also be found on your CIBIL Report.

  3. Purpose of the CIBIL Score and CIBIL Report: The CIBIL score is an indicator of your creditworthiness: a higher score showing that you are more creditworthy. The CIBIL Report, on the other hand, is a detailed account of your credit history and behavior in the past 3 years.


Both the CIBIL Score and CIBIL Report are vital components that are considered to approve your loan application and hence, it is essential to maintain a clean credit history and high credit score!