Ever been told your CIBIL score is low?
Or seen “credit score” while applying for a loan?
Most people assume these two are the same thing. But that’s only half true.
Let’s break it down simply, so you know exactly what it means—and how Vizzve Finance can help you even if your score isn’t perfect.
What Is a Credit Score?
A credit score is a 3-digit number that shows how trustworthy you are with loans or credit cards.
It usually ranges from 300 (poor) to 900 (excellent).
The higher your score, the better your chances of getting a loan at good interest rates.
What Is a CIBIL Score?
CIBIL Score is one type of credit score, provided by TransUnion CIBIL, one of the four credit bureaus in India.
Think of it this way:
All CIBIL Scores are Credit Scores,
but not all Credit Scores are CIBIL Scores.
Credit Bureaus in India
India has 4 authorized credit bureaus that calculate credit scores:
| Credit Bureau | Score Name | Score Range |
|---|---|---|
| TransUnion CIBIL | CIBIL Score | 300–900 |
| Experian | Experian Credit Score | 300–900 |
| Equifax | Equifax Score | 300–900 |
| CRIF High Mark | CRIF Score | 300–900 |
💡 Banks, NBFCs, and loan apps may use any one or a combination of these scores.
Key Differences: CIBIL Score vs. Credit Score
| Feature | CIBIL Score | Credit Score (General) |
|---|---|---|
| Provider | TransUnion CIBIL | Any credit bureau |
| Uniqueness | Specific type of credit score | General term |
| Used By | Most major banks in India | Varies by lender/app |
| Score Range | 300 to 900 | 300 to 900 |
| Credit Report Name | CIBIL Report | Credit Report (Experian, etc.) |
Why This Matters for Your Loan
Vizzve Finance doesn’t rely only on your CIBIL Score.
We use your income, salary consistency, and behavioral data to assess eligibility.
So even if your CIBIL score is low or you have no credit history, you may still qualify.
Vizzve Finance vs Traditional Lenders
| Criteria | Traditional Lenders | Vizzve Finance |
|---|---|---|
| CIBIL Score Required | Mandatory (750+) | Not always required |
| First-Time Borrowers | Often rejected | Welcomed with basic salary slip |
| Approval Time | Days or weeks | Minutes |
| Paperwork | Lots | Fully digital |
How to Check Your CIBIL Score (Free)
Visit https://www.cibil.com/
Register with PAN & phone number
Get 1 free report per year
Or simply download the Vizzve app — we’ll help you understand your score, build it smartly, or even get loans without one.
FAQs
Q1. Is CIBIL Score the only credit score that matters?
No. Lenders may use Experian, Equifax, or CRIF too.
Q2. What is a good CIBIL score?
750+ is considered excellent.
Q3. Can I get a loan with a low or zero CIBIL score?
Yes! With Vizzve Finance, you can qualify based on salary and repayment ability.
Q4. Does checking my score affect it?
Not when you check it (soft inquiry). Only when lenders do a “hard pull” does it affect the score.
Conclusion
Don’t get confused between CIBIL and credit scores.
They serve the same purpose, but come from different sources.
More importantly—they’re not the only thing that decides your loan fate.
With Vizzve Finance, you get a fair shot at credit, even without a perfect score.
📲 Download Vizzve today—loans made simple, even for first-timers.
Published on : 6th July
Published by : SMITA
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