Check Your FREE CIBIL Score

While there is no fixed minimum score applicable universally, an Experian score of 670 or above is generally considered a good score and increases the likelihood of loan approval. Multiple financial websites offer an Experian check where you can easily get your free score.

By checking the Experian score, lenders can make informed lending decisions, manage risks, and ensure responsible lending practices. It allows them to evaluate the creditworthiness of borrowers and offer loans with appropriate terms and conditions.

Experian does not have the authority to delete or change credit information on its own. They can make changes to your credit report based on the investigation, but they rely on information provided by lenders and creditors. If the information is accurate and valid as per the lender’s records, it may not be altered. However, if there are genuine errors, the credit bureau will correct them based on the investigation and the lender’s response.

If you find errors on your credit report, you can contact Experian to report them. Experian has its own dispute resolution procedure, which may take some time as it involves coordination between the credit bureau, lenders, and creditors. You can expedite the resolution process by being proactive, providing accurate supporting documentation, and following up with the credit bureau.

Your PAN card records your major financial transactions. If you don’t have a PAN card, there is a high probability that you haven’t availed any credit. In such a case, any credit bureau cannot generate your credit score.

No, there is no specific limit on requesting access to your credit score in India. As an individual, you have the right to check your credit score as often as you need or prefer.

No. Your Experian score is private information you or a select group of authorised parties can access with your permission.

Your present lenders periodically report the status of your loans and credit cards to Experian, and over time, your report reflects this information. As a result, if you close a loan or credit card account this month, that information can still appear on your credit report.

Usually, becoming a guarantor doesn't affect your credit score. However, if the borrower is unable to make their payments, you will be held accountable and this will reflect negatively on your credit report and score.

You can download your Experian report by visiting the official website of Experian. Navigate to consumer services and click on the Experian Credit Report. You will have to sign up before generating the report if you haven’t signed up already. Enter your number, verify it with an OTP, then add your basic details such as name, address, PAN details and email address. Sign up by clicking the ‘Get Free Credit Report’ button and your Credit Report will be generated, you can download the credit report by clicking on the Download Report link.

Experian keeps the defaulter's record in its database for 6 years for the banks and NBFCs to access. Such crucial information determines a borrower's creditworthiness.

India has four credit bureaus: Experian, CIBIL, CRIF High Mark, and Equifax. These bureaus compile credit scores and reports based on an individual's credit history, payment behaviour, and borrowing patterns.

Credit Score is a three-digit number summarizing your credit history derived from your Credit Report. A credit report contains data about an individual and their history of payments, for example, Credit cards and Loans.