Credit Report Experian V2 API
The current Experian credit report endpoint for lenders, returning credit score, account history, enquiries and derived attributes for loan underwriting.
What the Credit Report Experian V2 API does
Credit Report Experian V2 is the current implementation of the Experian report, returning the score, personal details, account history, enquiry records, employment information and derived credit attributes.
Functionally it matches the original endpoint. New integrations should use this version, and existing ones should plan to move, since it is where ongoing improvements land.
Where teams use the Credit Report Experian V2 API
New lending integrations requiring Experian data
Migrating from the original Experian endpoint
Credit decisioning with derived risk attributes
Cross-bureau checks on marginal applications
Frequently Asked Questions (FAQs)
Should I use V2 or the original?
V2 for anything new. The original remains available for existing integrations but V2 is the version being maintained.
Is the response shape identical?
Comparable but not guaranteed identical. Test against V2 rather than assuming your existing parser works unchanged.
Does it need separate consent?
The same borrower consent obligations apply. Switching version does not change what you owe the customer.
Related APIs
- Credit Report Experian API Get a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.
- Credit Report Crif API Retrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.
- Credit Report CIBIL API Fetch a customer's CIBIL credit score and full credit report using their PAN and mobile number, for instant lending decisions.
- Search ISIN Record API Validate an ISIN and retrieve the security's current status and details, for securities, demat and investment workflows that depend on the right instrument.
Start verifying with the Credit Report Experian V2 API
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- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale