{"id":364648,"date":"2026-01-17T15:23:28","date_gmt":"2026-01-17T15:23:28","guid":{"rendered":"https:\/\/www.paymeindia.in\/blog\/?p=364648"},"modified":"2026-01-17T15:23:28","modified_gmt":"2026-01-17T15:23:28","slug":"how-credit-bureaus-calculate-cibil-score","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/","title":{"rendered":"How Credit Bureaus Calculate CIBIL Score: Important Factors Explained"},"content":{"rendered":"<p><span style=\"font-family: verdana, geneva, sans-serif;\">A CIBIL score is a three-digit number ranging from 300 to 900 that reflects an individual\u2019s creditworthiness based on past borrowing and repayment behaviour. Banks and financial institutions use this score to assess loan approvals, credit card eligibility, interest rates, and credit limits. Understanding <strong>how credit bureaus calculate CIBIL score<\/strong> is important before applying for credit, as even small mistakes can lead to rejections or unfavourable terms.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#what-is-a-cibil-score\" >What Is a CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#how-is-the-cibil-score-calculated\" >How Is the CIBIL Score Calculated?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#repayment-history-most-important-factor-%e2%80%93-35\" >Repayment History (Most Important Factor \u2013 ~35%)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#credit-card-utilisation-ratio-30\" >Credit Card Utilisation Ratio (~30%)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#credit-mix-and-credit-duration-25\" >Credit Mix and Credit Duration (~25%)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#other-factors-that-affect-cibil-score\" >Other Factors That Affect CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#tips-to-improve-your-cibil-score\" >Tips to Improve Your CIBIL Score<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paymeindia.in\/blog\/how-credit-bureaus-calculate-cibil-score\/#faqs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"what-is-a-cibil-score\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>What Is a CIBIL Score <\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">A CIBIL score is a number made up of three digits that tells the story of an individual\u2019s credit history and is created by TransUnion CIBIL based on the details in the Accounts and Enquiries sections of the CIBIL report. The score is determinedbased on the customer&#8217;s loans and credit cards, their payment habits, outstanding balances, and the number of days they are late, as these are all reported by the lenders.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">The score is from 300 to 900, determining the person&#8217;s creditworthiness in general and reliability in payments. The higher the score, the better the chances of getting a loan or credit card, and it is true that about 79% of loans in India go to people with a score above 750, so it becomes a very important factor in lending decisions.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><a href=\"https:\/\/www.cibil.com\/blog\/all-you-need-to-know-about-cibil-score\">https:\/\/www.cibil.com\/blog\/all-you-need-to-know-about-cibil-score<\/a><\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"how-is-the-cibil-score-calculated\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>How Is the CIBIL Score Calculated?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">To understand how credit bureaus calculate <a href=\"https:\/\/www.cibil.com\/blog\/all-you-need-to-know-about-cibil-score\">CIBIL scores<\/a>, it is important to note that there is no fixed or publicly disclosed formula. CIBIL does not reveal an exact CIBIL score calculation formula.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Instead, scores are calculated using multiple weighted factors derived from an individual\u2019s credit report.<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif;\">Credit bureaus look at one\u2019s credit behaviour over time and present it as a prediction of the likelihood of the person being able to repay the loan in the future.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">What this means is that all the credit actions, whether paying an EMI on time, using a credit card, missing a due date, or applying for a new loan, are all considered in the score calculation.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Key Factors That Decide Your CIBIL Score<\/strong><\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">The following factors carry the highest weight in CIBIL score calculation and directly influence loan and credit card approvals.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"repayment-history-most-important-factor-%e2%80%93-35\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Repayment History (Most Important Factor \u2013 ~35%)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Repayment history shows whether EMIs and credit card bills are paid on time.<\/span><\/p>\n<ul>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Timely payments strengthen the CIBIL score<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Late payments, defaults, or settlements reduce the score<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Even a single missed payment can negatively affect approvals<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"credit-card-utilisation-ratio-30\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Credit Card Utilisation Ratio (~30%)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Credit utilisation measures how much of the available credit limit is used.<\/span><\/p>\n<ul>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Using more than 30% of the total limit indicates a higher risk<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Lower utilisation reflects disciplined credit behaviour<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">High utilisation over time can lower the score even if payments are timely<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"credit-mix-and-credit-duration-25\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Credit Mix and Credit Duration (~25%)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Credit mix refers to the combination of secured and unsecured credit, while credit duration reflects how long credit accounts have been active.<\/span><\/p>\n<ul>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">A balanced mix of home loans, personal loans, and credit cards improves score strength<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Older credit accounts increase score stability<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Closing old accounts can reduce credit age and lower the score<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Also, read: <a href=\"https:\/\/www.paymeindia.in\/blog\/impact-of-credit-card-cancellations-on-credit-score\/\">Impact of Credit Card Cancellations on Your Credit Score<\/a><\/span><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"other-factors-that-affect-cibil-score\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Other Factors That Affect CIBIL Score<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Apart from the main elements used to calculate the CIBIL score, several other factors can also affect the score and the overall creditworthiness. These factors are not always the most crucial ones, but their total effect can change the outcome of loan and credit card approval significantly.<\/span><\/p>\n<ul>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Lenders can take note of several loan or credit card enquiries made within a short period as indicating credit hunger. Every hard enquiry results in a slight decrease in the score, and frequent applications might suggest financial difficulties or being overly reliant on credit<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">The presence of too many unsecured loans, such as personal loans or several credit cards, leads to a higher perception of lending risk. As there is no collateral in unsecured credit, the borrower&#8217;s excessive exposure can hurt the score. <\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Errors in the credit report, such as incorrect payment status, outdated account information, or duplicate loan entries, can unjustly lower the score if not immediately corrected. <\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Being part of a joint loan or guarantor default situation can affect one&#8217;s score, even if personal repayments are always on time. When a co-borrower or guaranteed party defaults, the liability impacts all associated credit profiles. <\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Reactivation of dormant credit accounts may come as a sudden event, thus raising concerns over risk, especially if large transactions or high utilization follow the period of inactivity.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"tips-to-improve-your-cibil-score\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Tips to Improve Your CIBIL Score<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">A consistent credit discipline and monitoring your credit behavior regularly are some of the significant practices to elevate your low CIBIL score. Since the score mirrors long-term repayment patterns and borrowing habits, the shift only takes place over time, but with strong financial responsibility<\/span><\/p>\n<ul>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Create a strong repayment history by making all EMIs and credit card bills timely. The highest impact on your CIBIL score comes from timely payments, while delays or missed dues can greatly drop it<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">Always keep your credit usage within 30% of your total credit limit. Lower credit usage shows that you are in control of your credit, and, therefore, lending risk is reduced.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Multiple loan or credit card inquiries in a short time should be avoided, as frequent hard inquiries might indicate financial difficulties and thus lower your score.<\/span><\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Also, read: <a href=\"https:\/\/www.paymeindia.in\/blog\/improve-your-cibil-score-immediately\/\">How to Improve Your CIBIL Score Immediately<\/a><\/span><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"conclusion\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Conclusion<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Borrowers need to understand the credit bureaus&#8217; methods in calculating the CIBIL score to make informed borrowing decisions and to avoid the pitfalls of bad credit. Due to the fact that the score reflects repayment history, credit utilization, credit mix, and overall credit behavior, it becomes necessary to observe financial discipline. The CIBIL score that is monitored regularly, paid on time, and credited responsibly can, in a steady manner, gain a higher list of loan and credit card approvals with good conditions.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"faqs\"><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>FAQs<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><strong> What are the factors determining the CIBIL score?<\/strong><\/span><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: verdana, geneva, sans-serif;\">Repayment history, credit utilization ratio, credit mix, length of credit history, and recent credit inquiries are the main factors that contribute to the calculation of the CIBIL score. All these reasons combined give a good picture of the credit behavior and repayment reliability.<\/span><\/p>\n<ol start=\"2\">\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><strong> What is the method of calculating CIBIL rank?<\/strong><\/span><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: verdana, geneva, sans-serif;\">CIBIL rank is purely a business-oriented concept and it mainly depends upon the credit exposure, repayment patterns and overall borrowing behavior of the enterprise as the company&#8217;s staff rather than the individuals.<\/span><\/p>\n<ol start=\"3\">\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><strong> Does it mean a reduction in my CIBIL score if I check it?<\/strong><\/span><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: verdana, geneva, sans-serif;\">Not at all. Checking your own CIBIL score is considered a soft enquiry, and the score will not be impacted negatively in any way.<\/span><\/p>\n<ol start=\"4\">\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><strong> How long does it take for a low CIBIL score to become normal?<\/strong><\/span><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: verdana, geneva, sans-serif;\">With regular payments made on time and limited use of credit, usually the score can be seen to improve in about three to six months.<\/span><\/p>\n<ol start=\"5\">\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><strong> Can inaccuracies in my credit report bring down my CIBIL score?<\/strong><\/span><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: verdana, geneva, sans-serif;\">Definitely. The incorrect or outdated information in the credit report can score you lower, and it should be rectified at the earliest.<\/span><\/p>\n<ol start=\"6\">\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><strong> When is the CIBIL score most frequently updated?<\/strong><\/span><\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"font-family: verdana, geneva, sans-serif;\">The score is updated whenever the lenders report new repayment or account data, usually every 30 to 45 days.<\/span><\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Also Know:<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><a href=\"https:\/\/www.paymeindia.in\/blog\/nbfc-alternative-data-credit-scoring\/\">How NBFCs Use Alternative Data for Credit Scoring in India<\/a><\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><a href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/\">Credit Score Myths That Are Still Hurting Indians in 2026<\/a><\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><a href=\"https:\/\/www.paymeindia.in\/blog\/7-benefits-of-high-cibil-score\/\">7 Benefits of a High CIBIL Score: Why This Three-Digit Number Shapes Your Financial Freedom<\/a><\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><a href=\"https:\/\/www.paymeindia.in\/blog\/how-to-rebuild-credit-after-loan-default\/\">How to Rebuild Your Credit After a Loan Default<\/a><\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\"><a href=\"https:\/\/www.paymeindia.in\/blog\/what-is-credit-utilization-ratio-cur\/\">What is Credit Utilization Ratio? Your Guide to a Better CIBIL Score<\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>A CIBIL score is a three-digit number ranging from 300 to 900 that reflects an individual\u2019s creditworthiness based on past borrowing and repayment behaviour. Banks and financial institutions use this score to assess loan approvals, credit card eligibility, interest rates, and credit limits. Understanding how credit bureaus calculate CIBIL score is important before applying for [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":364665,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"How Credit Bureaus Calculate CIBIL Score | Key Factors Explained","_seopress_titles_desc":"Learn how credit bureaus calculate your CIBIL score, including repayment history, credit utilisation, credit mix, and tips to improve it fast.","_seopress_robots_index":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[558],"class_list":{"0":"post-364648","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cibil","8":"tag-credit-bureaus-calculate-cibil-score"},"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.paymeindia.in\/blog\/wp-content\/uploads\/2026\/01\/credit-bureaus-calculate-cibil-score.jpg?fit=1200%2C700&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/364648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/comments?post=364648"}],"version-history":[{"count":1,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/364648\/revisions"}],"predecessor-version":[{"id":364667,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/364648\/revisions\/364667"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/media\/364665"}],"wp:attachment":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/media?parent=364648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/categories?post=364648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/tags?post=364648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}