# Credit Decisioning API: Experian Credit Insights | FastKYC

> Fetch an Experian credit report with score insights, repayment history, exposure, recent credit activity, risk indicators and decisioning insights.

Source: https://www.fastkyc.com/apis/credit-decisioning/

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[Finance APIs](/apis/finance/)

# Credit Decisioning API

Fetch an Experian credit report with score insights, repayment history, exposure, recent credit activity, risk indicators and decisioning insights.

[Book a Demo](/book-demo/)

Category

[Finance APIs](/apis/finance/)

## What the Credit Decisioning API does

Credit Decisioning fetches an Experian credit report together with credit score insights, repayment history, credit exposure, recent credit activity, risk indicators and decisioning insights.

It brings the report and the signals drawn from it into one response, so a credit team or an automated rule can assess an applicant without reading the raw report line by line.

## Where teams use the Credit Decisioning API

1.  Assessing loan applications against bureau data
    
2.  Spotting recent credit activity and rising exposure
    
3.  Feeding risk indicators into automated lending rules
    

## Frequently Asked Questions (FAQs)

Which bureau does it use?

Experian.

What does it add beyond the credit report?

Score insights, repayment history, credit exposure, recent credit activity, risk indicators and decisioning insights drawn from the report.

## Start verifying with the Credit Decisioning API

Book a walkthrough and we will show the call, the response and how it fits your onboarding flow.

[Book a Demo](/book-demo/) [Browse All APIs](/apis/)

-   One API key for every check
-   Verified against official Indian records
-   Built for onboarding at scale