Instead of the earlier two-year period, your CIBIL Score now factors in a three-year period when evaluating your credit behavior. Assessment of credit data over a longer period helps provide a more comprehensive overview of your loan eligibility.
The enhanced score also includes new credit attributes that gives lenders a more complete view of your credit behavior to help them make objective lending decisions, even if you have a short credit history. The new enhanced score will substitute the current score in all products with a CIBIL Score offering.