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Sri Lanka CRIB Score Checker & Credit Report Guide

Put your CRIB score on the official 250900scale — see your position, the gap to CRIB's cited 750 example, and the exact fee, documents, and steps to get your own credit report. No signup, no ads, sources cited below.

By Induwara AshinsanaUpdated Jul 13, 2026
Read your CRIB score250–900 scale
CRIB scale · verified 2026-07-13

Enter the 3-digit score from your CRIB report to see where it sits. Leave it blank to just use the report-fee guide below.

Try a score
Your score750
250750 benchmark900
Position in range
76.92%
500 pts above the 250 floor
Gap to CRIB's 750
±0
Exactly at CRIB's cited example
What it means
Lower risk side
Higher score ⇒ lower credit risk (CRIB)

A higher CRIB score means lower credit risk and a lower probability of default. CRIB publishes no good/fair/poor bands, so we show your position and the gap to its 750 example only — not a grade or an approval prediction.

Get your own report

Report channel

Report type

Report fee
Rs 300
Delivery
Emailed to you as a PDF
Turnaround
Usually same day to 1 working day after payment

Documents you need

  • Valid National Identity Card (NIC), or
  • Valid Passport showing your NIC number, or
  • Valid Driving Licence showing your NIC number

What CRIB says affects your score

Repayment history

Whether you pay loans, cards, and leases on time. CRIB notes repayment history carries high weight in the score.

Reported by CRIB

Days in arrears

How many days any facility has been overdue, and how often.

Reported by CRIB

Facilities, limits & utilisation

How many active credit facilities you hold, your credit limits, and how much of them you are using.

Reported by CRIB

Number of inquiries

How many lenders have recently checked your CRIB record when you applied for credit.

Reported by CRIB

Demographic factors

Details such as age that CRIB includes in its model.

Reported by CRIB

Scale, benchmark, fees and factors are taken from the Credit Information Bureau of Sri Lanka (crib.lk) and CRIB's public statements. Full sources are cited below this tool. This is a guide, not a live score — CRIB requires a secure login to issue your report.

How it works

The Credit Information Bureau of Sri Lanka (CRIB) issues a single 3-digit CRIB Score on a fixed scale from 250 to 900. CRIB's own rule is directional: a higher score means lower credit risk and a lower probability of default. Crucially, CRIB does not publish good/fair/poor threshold bands or the percentage weight of each factor, so this tool reproduces only what CRIB states — it never invents a grade, an approval probability, or a “raise your score by X” projection.

The only arithmetic is placing your score in the range:

  1. Position in range. The scale is 900250 = 650 points wide, so position% = (score − 250) / 650 × 100. A score of 250 sits at 0% and 900 at 100%.
  2. Gap to the benchmark. gap = 750 − score. A positive gap means your score is that many points below CRIB's cited 750 example; a negative gap means it is above. The 750 figure is quoted from CRIB, presented as CRIB's example rather than our threshold.
  3. Direction of risk.We display CRIB's rule as-is — higher score, lower risk — without converting it into odds or letters.

The position figure is self-checked: the tool also computes it from the ceiling as 100 − (900 − score) / 650 × 100, which is algebraically identical and must agree with the floor-based value. The report side is a plain lookup, not a calculation: the fee, delivery method, turnaround, and accepted documents are read straight from CRIB's published fee list and FAQs. Fees were last verified on 2026-07-13; they change, so the tool flags anything CRIB does not publish a fixed figure for rather than guessing.

Worked examples

Score 780 · online report

  1. Position: (780 − 250) / 650 × 100 = 530 / 650 × 100 = 81.5%
  2. Gap to benchmark: 750 − 780 = −30 → 30 points above CRIB's 750 example
  3. CRIB rule: higher score ⇒ lower credit risk
  4. Report: online MyReport, fee Rs 300, emailed as a PDF, needs your NIC

Score 420 · report via a member bank

  1. Position: (420 − 250) / 650 × 100 = 170 / 650 × 100 = 26.2%
  2. Gap to benchmark: 750 − 420 = +330 → 330 points below CRIB's 750 example
  3. CRIB rule: a lower score sits on the higher-risk side
  4. Report: through a bank, fee Rs 150; check the factors list to see what CRIB reports on

Boundary check · scores 250 and 900

  1. Score 250: (250 − 250) / 650 × 100 = 0 / 650 = 0.0% (floor of the range)
  2. Score 900: (900 − 250) / 650 × 100 = 650 / 650 = 100.0% (ceiling)
  3. Confirms the formula pins exactly to the official endpoints
  4. A score of 249 or 901 is rejected — outside the official 250–900 scale

Frequently asked questions

Sources & references

Scale, benchmark, fees, and factors were last cross-checked against CRIB's public pages on 2026-07-13. Fees and processes change — always confirm the current figure on crib.lk before you pay. This tool does not fetch, store, or transmit anyone's credit data; CRIB requires a secure login to issue a report.

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Comments & feedback

Spotted a bug or want an improvement? Tell us — our team reviews every comment, and good ideas get built. Comments are public and anonymous.

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