Credit Report Experian API
Get a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.
What the Credit Report Experian API does
Credit Report Experian returns the borrower's Experian score alongside personal details, account history, enquiry records, employment information and a set of derived credit attributes.
The derived attributes are what set this report apart. Rather than leaving you to compute utilisation trends and delinquency patterns from raw accounts, it supplies them ready to feed into a scorecard.
Where teams use the Credit Report Experian API
Credit decisioning with pre-computed risk attributes
Feeding derived variables into an underwriting model
Cross-bureau verification on borderline applications
Monitoring portfolio risk over time
Frequently Asked Questions (FAQs)
What are derived attributes?
Computed indicators such as utilisation trends and delinquency patterns, supplied alongside the raw accounts so your scorecard does not have to derive them.
How does it differ from V2?
Credit Report Experian V2 is the newer implementation of the same report. Prefer V2 for new integrations.
Is employment information included?
Where the bureau holds it, though it reflects what lenders reported and can be dated. Verify separately if it matters to the decision.
Related APIs
- 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.
- 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.
- ITR Download API Retrieve a taxpayer's income tax return information, including filing history, status and secure document links, to verify income for lending.
Start verifying with the Credit Report Experian API
Book a walkthrough and we will show the call, the response and how it fits your onboarding flow.
- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale