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  • Experian Credit Report For Consumer

    One of the main documents a lender refers to before determining whether or not they will be offering credit to an individual is a credit report. It is instrumental for individuals to maintain a healthy credit score in order to avail credit. It is also just as important to ensure that your Experian credit report has no inaccuracies or discrepancies as it could hinder your chances of taking loans.

    Basically, an Experian credit report complies all of an individual’s credit history, and that data herein is based on the data received by the credit rating agency from their member credit grantors, financial institutions and banks.

    Data Contained within the Experian Credit Report

    An Experian credit report will hold data regarding the credit accounts of an individual along with details of all credit applications made by the individual. It is a detailed representation of the person’s loan / credit history including data regarding recent enquiries, credit cards / loans / credit accounts, payments, identity, etc. Individuals may access their Experian credit report once the requisite fees have been paid. Lenders can also check the credit report of prospective customers by paying a certain fee.

    Benefits of Attaining your Experian Credit Report

    If you wish to avail credit, your credit history will play a crucial role in helping lenders determine whether or not you are a safe bet. Credit history also helps in determining the terms, conditions and interest rates that may be available to you. Moreover, the fact that lenders can also access your credit report means that it is an essential factor in your hopes of taking out loans or credit.

    The Experian credit report helps you gain a fair understanding of your credit history, thereby allowing you to cease control of your finances and helping you make informed decisions that can help you remain protected from contingencies such as identity theft.

    The Meaning of Experian Credit Score

    The Experian credit report will contain data in detail regarding your loan / credit history. It is basically a numeric summary that has been drawn from an individual’s repayment history of existing and / or previously used credit cards and loans. The credit report will also reflect the enquiries carried out by financial institutions and banks based on the individual’s loan application. An individual’s Experian credit score will be derived from the information contained in their Experian credit information report. Most financial institutions, banks and other lenders prefer individuals who have a higher Experian credit score.

    What You Can Expect To See On Your Experian Credit Report?

    A credit report offers you a snapshot of your credit status and overall financial health. It is a good habit to keep a tab on your credit score and review your credit report from time-to-time. Your credit report has a lot of information and keywords.

    1. Personal Information: The credit report has basic information such as:
      • Full Name
      • Current Address
      • Date of Birth
      • Gender
      • Current Employer
      • Spouse’s Name
      • Email Address
      • Mobile number
      • PAN number

      Note: Make sure the spelling of your name, mobile number and other personal information are correct in your credit report.

    2. Credit Account Summary: It shows all the total number of accounts, active accounts, closed accounts and settled accounts. This is the important part of your credit report as it comprises your entire credit history and repayments. The section also has information about your credit cards and loans.
    3. Current Balance Account Summary: It shows the current balance account, settled amount, secure amount and unsettled amount.
    4. Credit Enquiry Summary: It shows all the credit enquiries made by you in the last 7 days, 30 days, 90 days, and 180 days. There are two types of inquiries- hard inquiries and soft inquiries. When you apply for a credit, it triggers an inquiry from the lenders or credit card issuers and this is termed as hard inquiry. Hard inquiries can bring your credit score down. On the other hand, a soft inquiry is harmless and does not affect your credit score. A soft inquiry offers when a credit card issuer/lender checks your credit without your permission to see if you qualify for certain credit card offers.
    5. Non-Credit Summary: It shows all the non-credit enquiries made by you in the last 7 days, 30 days, 90 days, and 180 days.
    6. Experian Credit Score: Your Experian report displays your Experian Credit Score. An Experian credit score ranges from 300-900 and it is summarized from your Experian credit report. At large, lenders like banks and non-banking finance companies (NBFC) consider an Experian credit score of 750 and above as.
    7. Credit Account Information: This section has information about all your credit accounts like loans or credit cards. It has sections such as - name of the lender, account type, account number, ownership, date reported, account status, date opened, highest credit, current balance, and amount overdue.

    How to Attain Your Experian Credit Report Online?

    Individuals can attain their Experian credit reports on the internet by paying a charge of Rs.399. All you will have to do is fill in an online form to authenticate yourself and then answer the questions and provide data regarding your credit cards, loan / credit accounts. Once you have completed the requisite steps, your Experian credit report will be displayed onscreen and a copy of the report will be sent to you via email.

    To ensure authentication, the individual will have to send a few documents to the credit rating agency. These documents include identity proof (voters ID or passport or PAN card), address proof (latest bank statement or telephone bill or electricity bill or purchase / sale deed or license / lease deed or passport).

    Getting your Experian credit Report

    1. How can I apply for my Experian credit report?
    2. You will have to fill up the Credit Report Application Form and send it to Experian. Once the application is received by them and the information on it validated, the credit report will be sent to you.

    3. How will the report be sent to me?
    4. Once the application has been accepted, and the payments made, the copy of the credit report will be sent to you via speed post.

    5. Do I have to pay for the credit report?
    6. Yes you will have to pay for the credit report. The current cost is about Rs. 138 of which Rs. 100 will be the charge for the report itself and the remaining Rs. 38 is used to cover the cost of sending the report via speed post.

    7. How do I pay for the credit report?
    8. You will have 3 options for the payments. The first is a demand draft, the second is NEFT using net banking and the third is an NEFT through a bank.

    9. How do I pay for Experian credit report with a demand draft?
    10. You can get a demand draft for the appropriate amount from your bank. The details you need to remember are that it must be made in favour of “ECICI Private Ltd” and that it should be payable in Mumbai.

    11. How do I pay using NEFT?
    12. To make payments through NEFT using net banking you will need to use the following details.

      • The account number will be EXPN+id proof number. Example If you use a PAN card (ABCDE1234F) then the account number will be EXPNABCDE1234F.
      • The name will be ECICI Pvt Ltd
      • The bank will be Citibank, FORT
      • The IFSC code will be CITI0100000
      • The type of account will be Current
    13. How do I pay through a bank?
    14. Experian has tie-ups with over 65,000 branches of various banks. All you have to do is go to one of these banks and ask for the NEFT form. Fill up the form with the same details as those for NEFT through net banking and pay the money in cash to the bank. They will do the rest.

    15. Do I need to submit any documents other than the application form for the credit report?
    16. Yes you will be required to submit certain documents along with the application form for the credit report. They will include an identity proof and an address proof. In case you are paying via NEFT then ensure that you send a copy of the Id proof that you have used for the transfer.

    17. What documents can serve as ID proof?
    18. You can use a passport, voters ID card or a PAN card.

    19. How do I get the credit report from Experian?
    20. Once you have filled out the form, made the relevant payments and prepared the suitable documents, you will need to send the whole lot to Experian. You can do so via the India Postal Services or vial courier. The address that you need to send the documents to is:

      • Experian Credit Information Company of India Pvt Ltd
      • P. O. Box. 9096,
      • Goregaon (East),
      • Mumbai - 400063.
      • India
      • OR (couriers and speed and registered post)
      • Experian Credit Information Company of India Pvt Ltd
      • Consumer Support Department,
      • Platina, 2nd Floor, C-59, G Block
      • Bandra Kurla Complex, Bandra (E)
      • Mumbai - 400 051. India
    21. How long will it take the report to get to me?
    22. It will take up to 20 days from the day they receive your application, to send the report to you, provided, of course, your application is accepted.

    23. Can I cancel a request for a report once the papers are sent?
    24. You will not be able to cancel the request. The company will process the application and send you your report in due time.

    25. How many times can I ask for my credit report?
    26. There is no limit on the number of times you can ask for the report. However, you will have to pay for each report that you ask for.

    News About Experian Credit Report For Consumer

    • RBI Data Says Bank Credit to Infra Sector was up by 18.5% in FY19

      A recent data from the Reserve Bank of India (RBI) has revealed that the infrastructure sector has seen a rise in bank credit by 18.5%. As on 2018-19, the bank credit stood at Rs.10.55 lakh crore, which is the highest since 2012-13 fiscal. In March 2018, the sector had received outstanding bank credit of Rs.8.91 lakh crore, added the report. In the fiscal year ended March 2013, there was a surge of 15.83% in the loans to infrastructure sector at Rs.7.29 lakh crore. In FY18 and FY17, growth in bank credit to the sector was negative at 1.7% and 6.1% respectively. The RBI data further revealed that bank loans to the overall industrial sector grew by 6.9% to Rs.28.58 lakh crore in FY19. In comparison, loans to industries had grown by 0.7% in FY18. In FY19, total bank credit rose 13.24% and deposits grew by 10.03%.

      Bank are keen to lend to the infra sector as the growth in the manufacturing sector is subdued. Earlier banks had curtailed lending to the sector due to higher NPAs. Madan Sabnavis, Chief economist, Care Ratings told PTI, “Post the asset quality review conducted by the RBI, all the NPAs from the infrastructure sector have been recognised. Banks are now willing to lend to the sector and demand for credit from the sector has also increased”.

      22 May 2019

    • Govt Panel Wants the Finance Ministry to Make Credit Rating Agencies more Accountable

      Following the financial crisis at Infrastructure Leasing & Financial Services (IL&FS), a panel of government is urging the Ministry of Finance to reveal the necessary steps that should be follow by the Indian credit rating agencies. The panel wants to make the credit rating agencies more accountable for crisis of lenders like non-banking finance companies. Moreover, the panel is also seeking from the government a solution that will end the practice of agencies getting paid by the companies that want credit ratings. A senior panel member told Hindustan Times that the government needs to change rules so that firms seeking ratings should pay Securities and Exchange Board of India (SEBI) instead of rating agencies for their work.

      Credit rating agencies are currently regulated by market regulator SEBI through regulations formed in 1999. Such agencies usually engage in the rating of financial instruments. Allocation of stricter norms is expected to possibly make the system more transparent thereby reducing the chances of manipulation. The panel further added that investors also go by credit ratings before buying mutual funds or parking money in fixed deposits. Last week, members of the standing committee on finance met representatives from credit rating agencies and ministry officials to discuss the functioning of the agencies.

      26 February 2019

    • ICRA appoints Sheetal Sandhu as Group CHRO

      Credit rating agency ICRA has appointed Sheetal Sandhu as the company’s Group CHRO. She will be responsible in creating and offering an enhanced employee experience through digital HR. In addition, she will be involved in creating a robust inclusive culture for the organization thereby building a better brand internally as well as externally. Sheetal will report directly to Naresh Thakkar, CEO ICRA. Prior to ICRA, Sheetal was the head of Human Resources at Evalueserve,  a research company. An Economic graduate from Delhi University, Sheetal has over 16 years of industry experience. Before Evalueserve, Sandhu has also worked with companies like Aricent and Cadence Design System.  

      4 February 2019

    • Experian launches a platform for fraud and identity services

      Experian which is a global information services company recently launched the fraud and identity industry’s first open platform designed to catch frauds, improve compliance and enhance customer service. CrossCore by Experian gives companies an easy way to connect to any tool and system in a single place regardless of whether they are Experian,internal or Third party solutions. This platform makes it possible for organisations to handle services through a common access point.It includes powerful strategy design capabilities that allow fraud and compliance teams to create and adapt strategies.

      28 June 2016

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    Credit Report Reviews

    • Experian Credit Report
      "nice"
      0.5 5.0/5 "Blown Away!"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 59
      ,
      Reviewed on Aug 21, 2019
    • Experian
      Experian Credit Report
      "Good place to take personal loans and credit card"
      0.5 2.5/5 "Just OK"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 58
      ,
      Reviewed on Aug 14, 2019
    • Experian Credit Report
      "CT"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 98
      ,
      Reviewed on Jul 11, 2019
    • Experian Credit Report
      "Test Review For CT"
      0.5 4.5/5 "Excellent!"
      OEJHPNETVIWEVVHZFYBHEFWQZAUGPYNLVKXOHPEMZTXMAFHKVUFHMPSEKUFQRIWHKEUVYPFMHCKHQGOSJXJXQPVGYOJRCCKRRSNWLGVLRJBSRLIJLJVZTOWCGGFLBBXJWDUDWATLCKBNABXLPGDZGSTTIXIUVWUTPZQBMWFMPUQPQRGZQGLBDJHYEGQHACNJEJKHQNRGQBGEKYPQQC
      Was this review helpful? 107
      ,
      Reviewed on Jul 04, 2019
    • Experian Credit Report
      "Need to provide reward points and cash back"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 119
      ,
      Reviewed on Jun 26, 2019
    • Experian Credit Report
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In Axis bank, i don't get any offers. 2 years ago, i have started using the card and my credit limit very good which is Rs. 90000 after the usage, they have reduced upto Rs. 42000 and every six month they are enhancing the limit. They are not sending the offers hence i'm planning to close the card by next month since lots of cards are not required.
      Was this review helpful? 111
      ,
      Reviewed on Jun 24, 2019
    • Experian Credit Report
      "SBI bank Credit card"
      0.5 4.5/5 "Excellent!"
      I came SBI card through bank bazar online, I want a best credit cards for me , in bank bazar website I found a SBI card based on my credit score & this card are give me best rewards points , I'm using this card from 2 year & I give best thankful to bank bazar because his customers service is superb.
      Was this review helpful? 130
      ,
      Reviewed on Jun 11, 2019
    • Experian Credit Report
      "CREDIT REPAIR "
      0.5 5.0/5 "Blown Away!"
      I need to share my experience how I evicted all collection on my report. I paid off my hospital bills from the collection agency that the hospital sent me to and the collection refuse to remove from credit. I am trying to get a house. I have called the collection agency and they didn't remove it, so what do i do. It paid off and i want this collection remove. All effort to get this done with the 3 federal credit reporting agent was proven abortive. I did some research and found this credit repairer Global Technologies. I sent a mail to his G mail (globaltechnologies46 at G mail com) how he could get me out of these mess!! He replied and explain in details how he will evict all collection on my report. He did a wonderful job for me.
      Was this review helpful? 137
      ,
      Reviewed on May 10, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      Credit Report is providing a ease way to understand my cibil score and it is providing me an opportunity to apply for n number of banks. It is super good and i find it very cool and comfortable. Having perfect design, user friendly and accurate with more information..
      Was this review helpful? 166
      ,
      Reviewed on May 08, 2019
    • Experian Credit Report
      "Review of Credit Report"
      0.5 5.0/5 "Blown Away!"
      The credit report gives an excellent indication of my credit situation. The reports are updated with a lag. So, the exact credit situation is only reflected after a couple of months. Nevertheless, experience is good. The graphical representations are also good.
      Was this review helpful? 162
      ,
      Reviewed on May 04, 2019
    • Experian Credit Report
      "Ease of use, quick access and detailed report"
      0.5 3.5/5 "Pretty good"
      Recently I was about to apply for a loan and found bankbazaar through a search engine. Wanted to check my eligibility and credit score before i wanted to proceed further, Bankbazaar made it easy as they have all solutions in one platform. Im extremely satisfied with the services.
      Was this review helpful? 167
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 5.0/5 "Blown Away!"
      Awesome Service on credit report which is updated all the time. Very accurate and perfect. I could check and apply for various financial products. Keep it Up Bank Bazaar Team........................................................
      Was this review helpful? 156
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 148
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      " My credit card is not show my security is very good"
      0.5 5.0/5 "Blown Away!"
      Credit card is not show my credit card is very good please help my credit card I have interest credit card please give me credit card I have happy it card miss you me please credit card me I have not credit card please give me credit card thanks give me card
      Was this review helpful? 147
      ,
      Reviewed on Apr 29, 2019
    • Experian Credit Report
      "credit report"
      0.5 5.0/5 "Blown Away!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 156
      ,
      Reviewed on Apr 25, 2019
    • Experian Credit Report
      "Excellent Service by Bank Bazaar"
      0.5 5.0/5 "Blown Away!"
      I could find bank bazaar to be very convenient in checking my credit score for applying any loan or an application for credit cards. Also after keying all the details the bank bazaar people wont disturb. Whenever there is an offer you will get a text regarding the information. Thanks for getting my accurate Credit score
      Was this review helpful? 155
      ,
      Reviewed on Apr 23, 2019
    • Experian Credit Report
      "Experian credit report"
      0.5 5.0/5 "Blown Away!"
      I checked my credit score in bankbazaar web site ,it has given score with in span of seconds. I wondered ,it is free of cost for checking. It is really a wonder. Congrats to bankbazaar team members . Thanks a lot once again to all bankbazaar team members
      Was this review helpful? 180
      ,
      Reviewed on Apr 05, 2019
    • Experian Credit Report
      "Realiable credit score"
      0.5 4.5/5 "Excellent!"
      I checked my credit score in bank bazar website. It gave instantly with all my banking past history. It was very much useful. It helped me know my credit status report at no cost . It only required few hassle free clicks and that over.Really appreciable!
      Was this review helpful? 187
      ,
      Reviewed on Mar 24, 2019
    • Experian Credit Report
      "Credit Score Tracking"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar features from last few years. Service provided by bankbazaar is good when compared to others in the market . Customer service is good and their response is good. One step solution for all you banking needs . A periodic tracking of your credit score is maintained well and kept updated in email as and when new scores arrive .
      Was this review helpful? 200
      ,
      Reviewed on Mar 08, 2019
    • Experian Credit Report
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Thanks I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
      Was this review helpful? 191
      ,
      Reviewed on Mar 02, 2019
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