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CRIF High Mark - Check Free Credit Score Online!

Updated on July 17, 2024 , 40987 views

CRIF Highmark is one of the four Credit Bureaus in India. It provides your Credit Score and Credit Report, which lenders refer during loan & credit card approval. CRIF offers credit report & score to individual consumers, commercial and microfinance segments.

CRIF High Mark

In this article, you’ll see the CRIF Credit Score Ranges, how to get a free CRIF score and how to achieve strong scores in your credit report.

CRIF Credit Score Range

CRIF High Mark score ranges between 300-900, 900 being the highest. The lower your score, the more struggle you’ll face in getting loan approvals.

Here’s what CRIF credit score ranges mean-

Poor: 300–500

This score indicates a high risk. Such customers have a Bad Credit record of Default and poor payment history. There is a high possibility that lenders won’t provide credit to such borrowers.

Fair: 500–700

Customers with such scores may have some payment defaults and delays. They are still risky for some lenders. Even if lenders are ready to give them credit, it would be with high interest rates and for low amount loans.

Good: 700–850

Customers with credit scores in this Range are considered to have a good repayment history. They also maintain a good balance between different credit lines like unsecured & unsecured loan, credit cards, etc. Lenders are confident in lending money to such customers as they think these customers have a low risk of defaulting.

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Excellent: 850+

Anything above 850+ is considered an excellent credit score. All types of loans should be granted to such customers. They are also eligible for the best credit cards. Customers with such a score get loans with low-interest rates.

How to get CRIF High Mark Free Credit Report?

You are eligible for a free credit report every year. Follow the steps below to access your free CRIF credit score:

  • Login to CRIF website and click on ‘Get your free personal credit report’.

  • Provide the required details like your email address for communication purposes.

  • The next window will ask you a few details which will help CRIF identify you amongst the complete database. The details might be your name, date of birth, address, mobile number, PAN or Aadhaar number.

  • Once you submit this, you will be asked a security credit question, which will be based upon the records. If you are able to answer the security credit question correctly, your free CRIF credit report is available to you for download.

Errors to Check in your Credit Report

Once you get your free CRIF credit reports, review them carefully. You can use the following points to check for common errors. To secure your credit score, ensure your credit reports are accurate and up to date.

1. Check if all your accounts up to date

Ensure all your account details are accurate. If any of the records are not updated, contact the Bank and credit bureau. If the account is marked open, the last reported date should be within the last 30-60 days. In case, if the account is marked closed, the last reported date will be closer to the date of closure. An out of date record will give the correct picture to lenders and this may also impact your credit score.

2. Check if any accounts do not belong to you

If you come across any credit account under your name that you are unaware of, report immediately to the credit bureau. This could be because of an error by the credit bureau or a wrong reporting by the bank.

4. Check for inaccurate credit limits

When the credit utilization ratio goes high, it shows an individual’s higher dependence on credit. While checking your report, make sure the Credit Limit of your credit card is accurate.

Inaccuracy in the credit report can directly affect your credit score. If you come across any errors, raise it to the credit bureaus and the respective bank immediately.

CRIF Highmark Customer Care

If you are having trouble with your CRIF credit report than you can contact them at-

  • Email Id-

  • Support number - 020-67057878

CRIF Care Support Hours: 10:00 am to 07:00 pm - Monday to Saturday.


1. What is a credit report?

A: A credit report is your credit summary. It will include all details such as the loans you have taken, the Credit Card Debt you have incurred, and your Income. Accredited credit bureaus generate the credit report. The credit summary is necessary when you apply for a loan and need to get it sanctioned quickly.

2. What is CRIF Highmark?

A: CRIF Highmark is an RBI approved credit bureau in India. The company supports more than 4000 smaller credit institutions. The credit report generated by CRIF Highmark is often considered sufficient for loan and credit card approvals. Consumers can quickly generate their credit reports by providing their financial details.

3. Can everyone gain access to my credit report?

A: No, your credit report is strictly confidential and cannot be accessed by everyone. Other than you, only particular government-sanctioned bodies will have access to your credit report.

4. Can I get CRIF credit report free?

A: Yes, you can generate at least one credit report in a year free of charge. However, if you want regular updates, then you will have to pay subscription charges.

5. What details do I need to provide to get my CRIF credit report?

A: To generate your CRIF credit report, you will have to provide details such as your birth date, address, mobile number, Permanent Account Number (PAN), and Aadhaar number. When you provide all of these details, you will be asked a security question. Once you answer this correctly, your credit report will be generated.

6. Do different agencies provide different scores?

A: Usually, the software used by the companies differs from agency to agency. However, the algorithms can be different, which can result in slightly different credit score reports. Nevertheless, you will not see a vast difference in the credit score.

7. How is the credit score and credit report different?

A: A credit score will be a three-digit number ranging between 300 - 900. But a credit report will have details such as borrowing ability, credit history, and other similar details, which will make it easier for banks to evaluate the loan repayment ability of an individual. The credit report is also essential when you apply for a credit card, and the bank needs to evaluate your ability to repay the credit card debt.

8. How to avoid errors in the credit report?

A: When you apply for a credit report, ensure that you have provided all your account details correctly and the accounts have all been updated. Additionally, you will have to ensure that all accounts are in your name. If you identify any fraudulent bank details, then report it to the CRIF Highmark immediately. Finally, you must check for inaccurate credit details; if you identify any error, report it to the Bank and CRIF immediately to ensure that the correct report is generated.

All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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