In assessing a borrower's creditworthiness, four major licensed credit bureaus—CIBIL, Equifax, Experian, and CRIF High Mark—play a pivotal role in India. These bureaus craft credit scores from an individual's credit history, payment tendencies, and borrowing habits. It typically draws from 36 months of a person's credit history. With credit scores spanning 300 to 900, a score of 700 or higher is considered optimal for loan and credit card approvals.