Get Free Credit Score
Download App

Experian Credit Score

Home Credit Report Experian Credit Report

A good credit score can open multiple loan as well as credit card options for you. Credit score by Experian, being one of the top bureaus worldwide, is sought by various banks and other lenders to check your creditworthiness.

600 or 750? What's your credit
score? Check for FREE.

meter

Your credit health matters...

Your credit score is more than just a number. A better score can help unlock the things you want most - like a new credit card or best loan rates in the market.

Already have a report? Click Here

Free Credit Score

Get your credit report free, with monthly updates.
Error: Enter a valid Full Name
+91
Error: Enter a valid Mobile Number
Note: We will verify this number on the next step.
Error: Enter a valid Email Address
Error: PAN is required
Error: Date of Birth is required
Error: This is mandatory. We need to check availability of service in your area
City: Gurgaon
OTP Verification

Verify your mobile

Please enter the OTP we sent via SMS

Didn’t receive your OTP? Send it again
Your OTP resend limit exceeded. Please try again later.

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2022

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2022

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 18/01/2022

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2022

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 18/01/2022

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :18/01/2022

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :18/01/2022

More

There is some technical issue. Please try again later.

हिंदी में पढ़े
Updated: 09-07-2021 07:16:02 AM

Experian is a globally recognised information services company and is one of the major credit bureaus in India. It provides credit score and credit reports to both the lenders and the consumers. The Experian credit report and scores are reflective of one’s repayment history, and hence play an important role in being approved for a new loan or credit card.

What is an Experian Credit Information Report?

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 as made by various lending institutions of India.

The following table gives a section-wise summary of the information present in the Experian credit report:

ParametersDetails
Credit HistoryInformation about the type of credit (secured/unsecured), current balance, date of loan, payment history, details of any prior defaults on credit card dues/loans, etc.
Personal InformationIncludes name and address of the consumer, date of birth, PAN card number, etc.
EnquiriesThis 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.

Get Free Credit Report with monthly updates. Check Now

What is Experian Credit Score?

“Experian Credit Score” refers to the numeric summary of your credit information report (CIR) as calculated by Experian India. This score varies between 300 and 900. The close your Experian score is closer to 900 (such as 750 and above), the greater your chances of being approved for a new loan or credit card.“Experian Credit Score” refers to the numeric summary of your credit information report (CIR) as calculated by Experian India. This score varies between 300 and 900. The close your Experian score is closer to 900 (such as 750 and above), the greater your chances of being approved for a new loan or credit card.

Your score is calculated from the repayment history of your previous and existing loans and credit cards, including the details of enquiries made by various lending institutions, such as banks and non-banking financial companies (NBFCs). 

It should be noted that one’s bank balance and monthly earnings have no impact on their credit score. You may be earning a humble salary and your score may get close to 800 if your credit history is good and a person with a handsome salary but bad credit history may suffer from a bad credit score.

Also Know: What are the 10 best ways to build up my credit score?

How to Check Experian Credit Score Online?

You can either get the Experian credit information report and score for free from Paisabazaar.com along with free monthly updates or you can avail the same from the official website of Experian India but after paying a fee.

How to Check Experian Credit Score for Free?

Step 1: Visit Paisabazaar.com and click on “Get Free Credit Report”.

Visit the Paisabazaar Credit Report portal, fill out the form and submit to get your Experian CIR and credit score for free

Step 2: Enter the online form with your details (full name, gender, PAN, mobile number, etc.)

Step 3: Verify your mobile number with the OTP that you will receive on your mobile number.

Step 4: Allow Paisabazaar to receive your credit information from Experian by clicking on the check-box.

Step 5: Submit the details by clicking on “Get Your Credit Score”.

You will be able to check your credit score as well as the credit report in the dashboard thus opened. You can check your personal information using the options given to the left of the page.

Note: We have updated our product and temporarily stopped updating your Experian Score. Though, your CIBIL Score is the most recent. Most of the banks prefer CIBIL Score.

Key factors affecting your Experian Score

The following are some of the key factors that are may affect your credit score:

  • Repayment history,
  • Credit utilization ratio,
  • Length of credit history, and
  • Total number of loans and cards availed by you

Suggested Read: What are the top 4 factors that affect your credit score? 

Get Free Credit Report with monthly updates. Check Now

How can I Improve my 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, adhere to the further mentioned tips to improve your credit score: 

  • Start paying your loan EMIs and credit card dues on time 
  • Maintain a low credit utilization ratio, preferably less than 30% of the total credit limit available to you
  • Do not close your old credit accounts as they help build a strong credit history 
  • Regularly check your credit report and credit score
  • If you find any discrepancies in your credit report, inform the credit bureau immediately and get them corrected
  • Do not submit multiple loan/credit card applications within a short time as this may portray you as credit hungry and decrease your creditworthiness

Suggested Read: 9 Tips & Tricks to Establish a Strong Credit Score

Frequently Asked Questions (FAQs)

Q. What is Experian Report Number (ERN)?

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 Experian, as the credit bureau uses it to validate your information.

Q. How often is the Experian CIR updated?

Ans. Generally, member financial institutions submit data on a monthly basis. For example, Bank A might submit an update to Experian on 1st of every month while Bank B might submit an update on 20th of every month. Hence, your Experian CIR gets updated on a monthly basis as soon as the data gets uploaded in its database by the applicable financial institution(s).

Q. Does Experian credit score changes with monthly updates in the credit report?

Ans. Yes, your Experian credit score may change with monthly updates in the credit report. For example, your score may increase on paying off a loan or may decrease on missing loan EMIs.

Q. Will checking my own credit score result in a lower score?

Ans. No, checking your own credit score and credit information report constitutes as 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.com. (Banner will go here)

Q. How can I initiate a dispute online with Experian?

Ans. You can raise an online dispute with Experian, in case there are discrepancies/errors in your CIR by following the steps mentioned below:

  • Log into your Experian account
  • Go to the “Dispute” tab and click on “Raise a Dispute”
  • Fill out the credit report information required and details of the dispute you wish to raise
  • Click on “Submit”. You will receive a tracking number after your dispute request is submitted. Preserve this number and use it for further communications with Experian India

After submission you should receive a response from Experian India within 48 hours. However, actual rectification/dispute resolution may take longer depending on the complexity of the issue.

Q. Why do I not have an Experian credit score?

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 a span of less than a month)
  • You are an add-on credit card user and not the primary account holder of the credit card account

Q. What is the meaning of a credit enquiry?

Ans. A credit enquiry refers to a request made by an institution to access your credit information report from a credit reporting agency. While an enquiry made by a lender constitutes a hard enquiry, an enquiry made by an individual for their own credit score (either directly from Experian or through an official partner of Experian such as Paisabazaar.com) constitutes as a soft enquiry.

Menu