Experian is a Credit Information Company (CIC) and is one of the four credit bureaus in India. A credit bureau calculates and generates credit score and credit information report for lenders and applicants. The Experian credit score and report are reflective of one’s past credit behaviour regarding the repayment history of loans and credit cards and hence play a decisive role in your new credit application approval or denial.
Experian CIR (Experian Credit Information Report) 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, account details, and payment history.