About Experian

Experian is one of the pioneers in rendering credit information services such as furnishing data as well as investigative tools to its clients across the globe. The company through its services assists businesses to take care of credit risk, avert deceit, as well as help in marketing products thereby enabling organizations to make a sound financial move. Experian also assists individuals and acquaints them with their credit score, credit report, simultaneously safeguarding identity of the individual.

Head quartered in Dublin Ireland, Experian operates in 39 countries and has clients in over 60 countries across the globe. With an immense experience in the field of credit information services, Experian entered Indian market in December 2006 and since then has been operating under the names of two companies:

• Experian Credit Information Company of India Private Limited:

First Credit Information Company, to be awarded license under Credit Information Companies (Regulation) Act (CICRA) 2005.

• Experian Services India Private Limited

Aims to provide Indian companies various ways to organize the available information in order to maximize profits and diminish the risks associated with the transaction.

How does Experian Work?

Experian as an independent organization gathers information on your credit history such as your bank statements, credit card history, loan repayment history, as well as details of your identity which enables Experian to come up with detailed report called as “Credit Information Report”.

This report is really helpful in knowing your own financial status as well as safe guarding your identity. Although the lenders have their own set parameters to decide if they want to lend you the credit, this report works as a boon to determine the comfort level of your lenders to lend you the credit owing to your good credit record.

Based on your credit information report a numeric value is obtained with the help of analytic tools this numeric value is called “Credit Score”. Higher the credit score higher are your chances of getting your credit or loan approved by your lender. This credit information or a credit score not only helps lenders to grant you loans or credit but also enables you to know your own financial status which will enable you to make a smart financial decision and preventing identity theft.

How to get your Credit Information Report or Credit Score?

It is very easy to obtain your credit information report and credit score. You will be required to simply go online on www.experian.in and fill in an online application form. You will be asked to pay a requisite fee online and once the procedure and you are aware of your credit information report as well credit score you will receive a copy of the same through email on your verified email address. You can also avail your credit information report and credit score by calling on the customer service number asking them to send across an application form. You will be required to fill in this application form and send it back to office along with attested photocopies of various essential documents such as your pan card, identity proof etc enlisted in the application form. You will also be required to pay the requisite fee through a bank in favour of the office. Once the application form has been filled and the fee is deposited your credit information and your credit score will be at your doorstep.

Experian has been effectively helping various individuals and corporates in making a financially sound decision and enabling them to grow in market by providing them the world of insight.

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