Experian is a globally recognised Credit Information Company (CIC) and is one of the four credit bureaus in India. It calculates and generates credit score and credit reports of both the lenders and the consumers. The Experian credit report and scores are reflective of one’s repayment history of loans and credit cards, and hence play an important role in your new credit application approval or denial.
Experian Credit Information Report, also known as “Experian CIR” refers to a detailed record of your credit history i.e. details of your past loans and credit cards that you have availed or applied for. It also contains information about your identity and the requests for your credit score.
Here you can check and download CIBIL and Experian credit score for free with monthly updates with no impact on credit score. Further discussed are the components of CIR, Experian Credit Score, Steps to check online and tips to improve your credit score.
Components of Experian Credit Information Report
The following table gives a section-wise summary of the information present in the Experian credit report:
|Credit /Loan History||Credit Score and Information about the type of credit (secured/unsecured), current balance, loan details, payment history, details of any prior defaults on credit card dues/loans, etc.|
|Identity Information||Includes name and address of the consumer, date of birth, PAN card, etc.|
|Recent Enquiries||This section contains information about the enquiries made by various financial institutions, as a result of credit applications made by you along with the type of credit facility (loan/credit card) and loan amount/credit card limit, etc.|