In India, there are 4 well known Credit Information Companies that track the Credit Score of an individual. These are Transunion CIBIL, Experian, Equifax and CRIF Highmark. These are entities regulated by law and have all the loan and repayment information of an individual, be it a credit card use, a bank loan, or a telecom postpaid connection. We submit your loan related update to all of these 4 credit bureaus as part of our standard operating procedure.