Enhanced CreditVision® Score

Enhanced CreditVision® Score helps lenders make sharper, more confident credit decisions in a market where growth is more selective, more competitive and risk needs to be managed with greater precision.

Built on the legacy of the CIBIL Score and powered by CreditVision® algorithms, the Enhanced CreditVision® Score leverages 36 months of trended credit behavior and event-based attributes to deliver deeper insights into how consumers manage credit over time. By focusing on direct liabilities and key behavioral signals like repayment patterns, credit utilization and balance movement, it enables better borrower differentiation, quality approvals and improved portfolio quality across retail lending products.

Building on over 25 years of trust in the CIBIL Score, the Enhanced CreditVision® Score represents the next evolution in credit risk assessment for India’s lending ecosystem.

What is Different in the Enhanced CreditVision® Score?

• Event-based Credit Behavior: Captures credit attributes based on the actual event date, reflecting borrower behavior more accurately
• 36-month Trended Behavioral Insights: Leverages 36 months of credit behavior trends to better differentiate borrowers with similar current credit profiles
• Direct liabilities focused scoring: Evaluates only the borrower’s direct liabilities, providing a clearer view of true repayment behavior
• Advanced Behavioral Risk Indicators: Scoring models incorporate new and upgraded algorithms to improve risk default prediction