CRIF PCR: PCR stands for a personal credit report, As the names suggest, a personal credit report is a detailed record of an individual’s credit history and shows the credit behaviour exhibited by them in the past.CRIF BCR: BCR stands for the business credit report, BCR helps a lender assess the credit health of a corporate entity. Before approving a business or company for a working capital loan or loan for the purchase of equipment, banks or NBFCs take into account the business’s credit score and history, as well as the promoter’s (personal) credit score.