Credit Score is being fetched by CRIF (the credit bureau) only if sufficient history is available to assess your credit worthiness. If you don’t rely on credit cards and loans then you have nothing in your credit history and hence the app shows NULL.
Your credit score depends on various factors like account mix, credit utilization, payment history, number of hard enquiries that are made when you apply for a credit. Consistency with your payments over time can help improve your credit score and we are in process to release certain updates to ease the process. Stay tuned and happy updating!
CIR (Credit information report) represents a comprehensive credit profile in form of an elaborated report of a borrower. This includes, for example, personal information (e.g. borrowers name, ID number, date of birth etc.) and a credit summary (e.g. credit accounts held by borrower, whether accounts are current/past due, and a record of recent credit enquiries made about the borrower). Source: CRIF
The score simulator is powered by the Equifax credit report and policies being used to calculate the impact on credit score by Equifax. This takes into account the changes from closing negative accounts, taking another loan/ credit card, closing existing loan/ card and any overdue payment against your card and loan. The credit score simulator would project your score based on the impact from individual factors and the actual score is subject to changes based on the impacts from different factors.