The Experian Credit Information Report (CIR) provides your Experian credit score along with details like personal information, payment history, and recent credit applications. It helps lenders assess your creditworthiness for loans and cards, while allowing you to track and improve your credit score.
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Experian, a Credit Information Company (CIC), is one of the four credit bureaus operating in India that calculates and generates credit scores and Credit Information Reports (CIRs) for lenders and applicants, as per the consumer credit information provided by the lending institutions every fifteen days.
The Experian credit score depicts your creditworthiness and helps lenders decide on your credit application’s approval or denial.
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Your credit score is calculated considering various factors, such as the repayment history of your previous and existing loans and credit cards, enquiries made by various lending institutions, including banks and NBFCs is an important factor. Your Experian credit score from Paisabazaar is free of cost and you can check your score without impacting your existing credit score. |
Also Read: How to Rebuild or Improve your Credit Score
Experian credit score ranges from 300 to 900. Closer the score to 900, more is it considered suitable for the approval of a loan or credit card. Let us understand the Experian credit score range and what it signifies in detail.
| Experian Score | Score Range | What it Means | What it Signifies |
| 801 – 900 | Excellent | You have an outstanding credit history | You are likely to get some of the best offers at this score as you would easily meet the eligibility criteria set by most lenders. |
| 761 – 800 | Very Good | You have displayed very good credit behaviour and have been responsible with credit | Most banks and NBFCs would be willing to offer you credit. You may even be eligible for pre-approved offers. |
| 701 – 760 | Good | You have a good credit score, and some lenders may approve your credit application | You may be eligible for some credit offers but will miss out on best offers. You should work on improving your score and increase creditworthiness. |
| 601 – 700 | Average | Your creditworthiness is low and credit score needs improvement | Only a few lenders are likely to approve your credit application, and even if it is approved, you may end up paying higher interest and at stricter loan terms. |
| 300 – 600 | Poor | Immediate attention required! Your credit history is damaged and you need to rebuild your credit score | Very less chances of new loan approval. Check your credit report to determine why your credit score is low and take actions promptly. |
| NS/NH/0 | New to Credit | Shows you have never taken a loan or a credit card and don’t have a credit history | To be eligible for the best loan and credit card offers in future, you need to build your credit score. |
*These credit score ranges (i.e. Excellent, Good, etc.) are based on Paisabazaar’s own criteria and are generally accepted in the industry.
Experian Credit Information Report refers to a detailed record of your credit history i.e., details of your past and present loans and credit cards, etc. Apart from the Experian credit score, it also contains information about your identity, account details, payment history, recent enquiries, etc.
The following table gives a section-wise summary of the personal information, as well as credit information present in your Experian Credit Information Report (CIR):
| Parameters | Details |
| Current Application Information | Includes name and address of the consumer, date of birth, PAN card, gender, mobile number, etc. |
| Experian Credit Score & Summary | Experian score, credit report summary |
| Credit Account Details | All credit accounts, type of credit, current balance, loan details, payment history or DPD, details of any prior defaults on credit card dues/loans, etc. |
| Credit Enquiries | Recent enquiries made by various financial institutions based on your credit applications |
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There are two ways of checking the Experian credit score or Experian credit report –
Paisabazaar also offers credit scores from other three credit bureaus, namely, CIBIL, Equifax and CRIF High Mark.
You may have to make a payment to check your credit score through the official websites of these credit bureaus, whereas checking your credit report at Paisabazaar is free. Now, let us find out how to check your Experian credit score free here:
| Step 1: Click here to check the free credit report
Step 2: Enter your basic details and mobile number to verify using OTP authentication by clicking on the ‘Check Free Credit Score’ button. Step 3: Complete the OTP verification to get credit scores from multiple credit bureaus. Step 4: On the Experian tab, click on ‘Check Report’ to view and download your credit report. |
Note: Your Date of Birth (DDMMYYYY format) is the password of your Experian credit report.
The following are some of the key factors that may affect your credit score:
Suggested Read: What are the top 4 factors that affect your credit score?
Experian credit score is highly beneficial to its customers, as it helps them avail funds at ease and reflects their creditworthiness and repayment capacity to prospective lenders. Find below some additional benefits of maintaining a high Experian credit score:
If your Experian score is low, your chances of getting credit in time of need from a bank or other lenders may also go slim. To avoid such a situation, adherence to the further mentioned tips to improve credit score can be helpful:
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You can file a complaint online with Experian, in case there are discrepancies/errors in your credit information report by following the steps mentioned below:
Step 1: Log into your Experian account
Step 2: Go to the “Dispute” tab and click on “Raise a Dispute”
Step 3: Fill out the details of the dispute you wish to raise
Step 4: Click on “Submit” and you will receive a tracking number after your dispute request is submitted.
This tracking number can be used for further communications with Experian India. After submission, you should receive a response from Experian India within 48 hours.
Actual rectification/dispute resolution may take longer depending on the complexity of the issue. But, the bureau generally resolves an error within 30 days of raising the dispute after which it is liable to a fine for delay in resolution.
Suggested Read: How to Raise Experian Disputes?
Consumer ReviewI have been checking my Experian credit score for the past 5 to 6 years. I initially had an okay score but with the proper guidance, I have been able to improve my credit score to 829 now. Even though I haven’t taken any loan recently, my credit score would surely help me get a premium credit card when I actually need it in future. In my opinion, one should always check the credit score from time to time to stay updated about one’s credit health.
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Ans. Experian Report Number (ERN) refers to a 15-digit unique identification number present on the top right of your credit information report.
You need to quote this number on any communication with the credit bureau as it uses it to validate your information.
Ans. You need not apply for the credit report, as at Paisabazaar, you can check it for free and receive monthly updates.
Checking your credit score is considered a ‘Soft Inquiry’ by the credit bureau and shall not lower your credit score.
Ans. You don’t need a password to open your Experian credit report. It is accessible to you by default when you download it from the official account.
When downloading your Experian credit report from Paisabazaar, your document is password protected and you will have to enter your date of birth as password in the format DDMMYYYY.
Ans. Generally, member financial institutions submit data related to your credit profile every fifteen days. For example, Bank A might submit an update to Experian on the 1st of every month while Bank B might submit an update on the 10th of every month.
Hence, your credit report gets updated twice every month as soon as the data gets uploaded to its database by the financial institution(s).
Ans. Yes, your credit score may change with every update in the credit report. For example, your score may increase on paying off a loan or may decrease on missing loan EMIs.
Ans. You can check your latest Experian credit report every month at Paisabazaar for free.
However, if you want to check it from the official website, you get one free credit report every year as directed by the RBI. For subsequent enquiries, you will have to pay a subscription fee set by Experian.
Ans. Both credit reporting agencies, Experian and CIBIL, get the same credit information from lending institutions. But the score may differ based on the calculation module each credit bureau follows.
Ans. Yes, there are possibilities of errors in your credit report in the form of faulty or mismatched information, inaccuracies, duplicity, etc. in your credit record.
For this, you should regularly monitor your Experian credit report for errors and resolve them at the earliest to avoid any dip in your credit score.
Ans. Experian India offers free credit score checks only once a year and afterwards, you have to subscribe for further reports. You can choose monthly, half-yearly, or annual subscriptions, as per your requirements to receive latest credit reports regularly.
However, at Paisabazaar, you can check your latest Experian credit report free of cost every month without impacting your credit score.
Ans. Yes, you can check your Experian credit score through WhatsApp by sending ‘Hey’ from your registered mobile number to Experian India’s WhatsApp number +91-9920035444.
You can also receive your full credit report, as well as regular updates on your credit scores on WhatsApp, as well.
Ans. Experian updates your credit score at least once a month, as per the consumer credit information provided to them by the lending institutions.
If your lending banks and NBFCs report your payment history more frequently, then your credit score may change more often.
Ans. No, checking your own credit score and credit information report constitutes a soft enquiry and this does not impact your credit score in any way.
You can check your credit score as many times as you want and you can do it for free at Paisabazaar.
Ans. The Credit Information Report (CIR) helps lenders check the creditworthiness and repayment history of applicants. Experian credit report check is requested by the lender to the credit bureau at the time of the loan approval process.
A good credit score helps the applicant in availing credit facilities, such as loans and credit cards at low interest rates and preferential credit card benefits.
Ans. You may not have an Experian credit score or a credit score from any other credit bureau in India in the following cases:
• You have never taken a credit card or a loan, i.e., you are new to the credit
• You have recently taken a credit card (e.g. in less than a month)
• You are an add-on credit card user and not the primary account holder of the credit card account
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4 Comments
I wanted my Experian credit file for a loan. How can I get it?
You can either check your Experian credit report online through its website (free once every year) or through Paisabazaar every month. Your Experian credit history report can help you assess your creditworthiness before applying for a loan. If your credit score is good, you can apply for the loan else you can take steps to improve your Experian score and then opt for the loan when it improves.
I wanted to check credit score for Experian but I was asked to pay again. How can I check without paying?
Experian provides one free credit report every year. However, you may have to pay to get more reports in a calendar year. In case you want to get the Experian credit history and latest updates every month, you can check your credit score for free on Paisabazaar.