Both the reports were pulled using different score versions and hence TU score were different in both the reports. We have compared both the reports, there were no drastic change in DPD and other reporting.
Further, we would like to inform you that we have upgraded CIBIL Score by changing the scoring algorithm, due to which you may see your CIBIL Score changing. The score is now calculated on the basis of your last 36 months credit history. This change is applicable for all consumers and more than 90% of the member Bank's/NBFC'S (members) have already moved to the new version and the rest are in the process of migrating to the new version.
CIBIL Score is generated by a scoring algorithm which takes into account a large number of data points and macro-level credit trends. In our constant endeavor to provide more comprehensive CIBIL Score, regular changes are made to algorithm to incorporate new data points and trends. This is done to increase the ability of the score to predict probability of default loans.
The new CIBI L Score ranges between 300 and 900 which, is same as the old CIBIL Score. However as the scoring algorithm which generates the CIBIL Score has been revised, the numeric value generated for the new CIBIL Score may be different from the numeric value generated for the old CIBIL Score. The original credit profile of the consumer and the way lenders view the consumer will continue to remain the same irrespective of the difference in the numeric values of the old and the new CIBIL Score. Which means, even though the numeric value of the consumer's new CIBIL Score is lower than that of the old CIBIL Score, it wouldn't impact their access to credit.
Detailed explanation on 'How to improve your Credit History', is available at the FAQs section - Credit Score and Loan Basics on our website -
http://www.cibil.com/faq/credit-score-and-loan-basics
Kindly quote the above mentioned Service Request Number in your future communication with us.
We assure you of our best services always.
Regards,
Consumer Services Team