Experian CIR (Experian Credit Information Report) refers to a detailed record of your credit history i.e. details of your past and loans and credit cards, etc. It also contains information about your identity, account details, and payment history and much more.
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 on a monthly basis. The Experian credit score depicts your creditworthiness and repayment history that further helps lenders in deciding on your new credit application’s approval or denial.