Comparison
Why CIBIL, GST, and ITR data don't show who pays.
CIBIL, GST filings, and ITR data are each genuinely useful, well-established tools — trustRate isn't a replacement for any of them, and doesn't compete with what they're built to do. The honest gap is that none of them were ever designed to answer one specific question: does this person actually pay the people who give them goods, money, or work on credit?
| CIBIL | GST / ITR | trustRate | |
|---|---|---|---|
| What it's based on | Repayment of formal bank loans, credit cards, EMIs | Tax filings and declared turnover | Real trade-credit agreements, confirmed by both sides |
| Who reports it | Banks and NBFCs only | The business itself, to the tax department | The seller and the buyer, about each other |
| Does it cover supplier/vendor credit? | No | No | Yes — this is specifically what it measures |
| Does it cover personal/informal credit between individuals? | No | No | Yes |
| Does it cover freelance/service payment delays? | No | No | Yes |
| Proves the business exists and files taxes | Not directly | Yes | Not its purpose — trustRate measures behaviour, not registration |
Used together, not instead of each other
A CIBIL score and a clean GST/ITR filing are still worth checking — they tell you a business is real and handles its formal obligations. trustRate fills the specific gap next to that: whether the same business actually pays the people it buys from, borrows from informally, or hires for work. Sellers, lenders, and freelancers who rely on trade credit are exactly the group CIBIL, GST, and ITR were never built to protect.