Introduction to Verifyal’s Experian Credit Report API

Verifyal’s Experian Credit Report API stands out for its focus on speed, integration simplicity, and actionable financial insights. This robust API enables the real-time retrieval of official Experian credit scores and reports, delivered in a standardized JSON format for effortless integration.

The JSON output ensures seamless compatibility with digital platforms, mobile apps, and enterprise systems — making it ideal for developers, analysts, and financial platforms that require fast, readable data.

By offering a comprehensive view of an individual’s credit profile, including payment history, open accounts, and inquiry records, this API empowers businesses to make informed lending, underwriting, and credit decisions.

Benefits of Verifying with Our API

Real-Time Verification

Instantly access CIBIL scores, identity checks, and financial data with zero delays.

Enhanced Security & Fraud Prevention

Detect anomalies early and reduce fraud risks with robust, compliant verification.

Lightning-Fast Integration

Developer-friendly RESTful APIs with sandbox access for easy testing and quick deployment.

Comprehensive Data Access

Instantly access CIBIL scores, identity checks, and financial data with zero delays.

Smarter Decision Making

Use verified data to automate onboarding, credit assessment, and risk profiling

Trusted by Financial Institutions

Built on 5+ years of experience serving banks, NBFCs, fintechs, and enterprises.

Have Questions? We’ve Got the Answers Here

Our guide to Frequently Asked Questions. Explore answers to common queries and empower your decision-making for a seamless collaboration.

To access an Experian credit report via the API, users must provide: Full Legal Name, Mobile Number (linked to the credit profile), Date of Birth, PAN Card Number, These details are used to securely authenticate and retrieve the correct credit profile.
Verifyal prioritizes data security through end-to-end encryption, secure authentication, and strict compliance with RBI and data protection standards. All data exchanges are conducted over secure HTTPS protocols, and no personal data is stored without consent.
Credit data is delivered in a structured and developer-friendly JSON format. This ensures easy integration into digital systems and enables real-time decision-making across platforms.
You receive much more than just a credit score. The report also includes: Payment history, Credit account summary, Credit age, Credit inquiries, Utilization patterns This helps provide a holistic view of your credit standing and behavior.
The credit report helps: Understand your creditworthiness, Improve chances of loan or credit card approvals, Track and manage your financial health, Detect early signs of fraud or credit misuse.

Experian Credit Report API by Verifyal