Credit score is a three digit number that reflects your credit history and repayment behaviour. CIBIL score is one type of credit score issued by TransUnion CIBIL, one of India’s licensed credit bureaus. Since many banks rely on CIBIL reports, people often use “CIBIL score” as another name for credit score, even though it represents only one bureau’s assessment. That is why one lender may check your CIBIL score, while another may use score from a different bureau. Whether lender checks CIBIL score or credit score from another bureau, responsible borrowing and timely repayment remain best ways to maintain strong credit health.