Need help in Understanding Equifax Credit Score

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Adityachs1

Hi There,

I recently checked my credit scope in Paytm App, to my surprise the it showed score of <760 which falls in Good category.
when I see the report it showed only high level details as shown below.

https://cdn0.desidime.com/attachments/photos/747407/medium/score_2.jpg?1646109684

For example missed payments shown as 4 but there is no source like if CC bill or loan payment done late, which CC etc., 

When I see my Cibil score via HDFC, it showed 803 and with details which I can understand.

https://cdn0.desidime.com/attachments/photos/747408/medium/score1.png?1646109714

So I am confused why equifax showing low score and what are reason for low score. Can the expoerts here help me in understanding ? (I think I should not bother as CIBIL score is high, how ever curious on understanding this equifax score as well)

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Hotshot Hotshot
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ur cibil score is 803 ur equifax score is 753.there are 4 credit bureaus crif,experian,equifax,cibil their score varies from each other.
yes you shouldn’t bother cibil matters the most.

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@vkrmjeet thank you for quick response. Yes, I know there multiple bureaus (thnx for number and names). I am bit relieved after your reply.

Anyhow do you have any idea how to read this equifax report. I am curious if shows any wrong info etc.,

Deal Lieutenant Deal Lieutenant
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Adityachs1 wrote:

@vkrmjeet thank you for quick response. Yes, I know there multiple bureaus (thnx for number and names). I am bit relieved after your reply.

Anyhow do you have any idea how to read this equifax report. I am curious if shows any wrong info etc.,

I think all good, its pretty self explanatory

Only thing that is 4 late payments else fine

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bohemian wrote:

I think all good, its pretty self explanatory

Only thing that is 4 late payments else fine

Thank you but I am looking for which 4emis as I am not sure if I really missed 4 or not

Deal Lieutenant Deal Lieutenant
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Adityachs1 wrote:

Thank you but I am looking for which 4emis as I am not sure if I really missed 4 or not

Only possible in detailed report. See if you can download from their website or check cibil report, they must have reported same.

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bohemian wrote:

Only possible in detailed report. See if you can download from their website or check cibil report, they must have reported same.

OK, thank you

Hotshot Hotshot
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Adityachs1 wrote:

@vkrmjeet thank you for quick response. Yes, I know there multiple bureaus (thnx for number and names). I am bit relieved after your reply.

Anyhow do you have any idea how to read this equifax report. I am curious if shows any wrong info etc.,

if you want all the information the only way is to get your report directly from bureau.
paytm,onescore etc derive the information from your report and display in their own way.

The full report from bureau will contain everything details of all the emi’s ,credit repayment , dues etc .

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vkrmjeet wrote:

if you want all the information the only way is to get your report directly from bureau.
paytm,onescore etc derive the information from your report and display in their own way.

The full report from bureau will contain everything details of all the emi’s ,credit repayment , dues etc .

Ok, thank you. I expected similar report in Paytm as well, but it didn’t help.

Anyhow as advised I have good CIBIL score, I will ignore this  report.

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