CRIF High Mark (क्रिफ हाई मार्क)
CRIF High Mark is one of India's four RBI-licensed credit bureaus, widely used by digital lenders and microfinance institutions for both scores and detailed credit reports. Many digital lenders check CRIF rather than CIBIL, so your CRIF report can matter more than you expect.
Worked example
A digital lender declines you citing bureau history even though your CIBIL looks clean; its check actually ran on CRIF, where an old overdue account still shows. Pull your free annual CRIF report and raise the dispute there directly.