CRIF High Mark is India's only credit information bureau catering to all borrower segments – MSME and Commercial borrowers, Retail consumers, Microfinance borrowers. It is the pioneer in building and operating the country's first and world's largest Microfinance Bureau Database. CRIF High Mark provides Analytics, Data Management and related Software solutions promoting a more mature credit culture in the Indian economic system and sustaining the financial needs of businesses and consumers.
Equifax is a global information solutions company that uses trusted unique data, innovative analytics, technology and industry expertise to power organizations and individuals around the world by transforming knowledge into insights that help make more informed business and personal decisions. Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard& Poor’s (S&P) 500® index and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. With a global legacy of over 117 years in the credit industry, in 2010, Equifax established a presence in India market and was licensed by RBI to operate as a Credit Information Company.
TransUnion CIBIL Limited is a credit information company operating in India. It maintains credit files on 600 million individuals and 32 million businesses. TransUnion is one of four credit bureaus operating in India and is part of TransUnion, an American multinational group.TransUnion CIBIL aggregates consumer borrowing and payment information for the purpose of assessing loan risk and pricing credit (setting the interest rate). It has partnered with Chicago-based.Consumer credit scores are also used in employment decisions,although there are no studies in India showing that impaired credit leads to employee misconduct.