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Introduction

The Experian Credit Report API provides real-time access to an individual's credit history and score, sourced directly from Experian—one of India’s leading credit bureaus. This API enables businesses to retrieve detailed credit information for informed decision-making in lending, underwriting, and financial risk assessment.

It includes comprehensive data such as credit score, account history, repayment behavior, loan inquiries, and more—all accessible via a secure, consent-driven process. Ideal for banks, NBFCs, fintech platforms, and credit marketplaces, this API supports seamless integration into digital onboarding and credit evaluation workflows.

With the Experian Credit Report API, you can automate credit checks, reduce fraud, ensure compliance, and enhance user experience—all while making faster, smarter credit decisions.

Benefits of Experian Credit Report API

Instant Credit Insights

Get real-time access to detailed credit reports and scores for faster decision-making..

Reliable and Trusted Data

Leverage accurate credit data directly from Experian, one of India's leading credit bureaus.

Automated Credit Checks

Eliminate manual credit evaluation with automated, API-driven workflows.

Enhanced Risk Assessment

Access repayment history, credit utilization, and inquiry data to better evaluate creditworthiness.

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What Is Mobile Verification API , and Why Use It?

The Experian Credit Report API is a secure and consent-based service that allows businesses to retrieve an individual's credit report and credit score directly from Experian, one of India's major credit bureaus. It provides instant access to key financial indicators like repayment history, credit utilization, account status, and past inquiries.

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Experian Credit Report API

Key features of Experian Credit Report API

Real-Time Credit Report Access

Fetches up-to-date credit reports and scores instantly from Experian.

Consent-Based Retrieval

Access to credit data is fully compliant, requiring user consent as per regulatory guidelines.

Comprehensive Credit Data

Includes credit score, repayment history, credit utilization, open and closed accounts, and recent inquiries.

PAN-Based Lookup

Enables credit report retrieval using the customer’s Permanent Account Number (PAN).

Frequently asked questions?

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What is the Experian Credit Report API?

It is a service that provides real-time access to an individual’s credit report and credit score from Experian with user consent.

What information does the credit report include?

The report contains credit score, repayment history, loan accounts, credit utilization, and recent credit inquiries.

How is user consent managed?

User consent is mandatory and managed through a secure and compliant process before accessing the credit data.

Can the API be used for bulk credit checks?

Yes, it supports both individual and bulk credit report retrieval.

Is the API secure?

Yes, all data is encrypted and handled according to data privacy and security regulations.

Which identifiers can be used to fetch credit reports?

Typically, Permanent Account Number (PAN) is used to retrieve credit reports.