Experian Credit Report API by Verifyal
Verifyal’s Experian Credit Report API offers fast and secure access to detailed credit reports and scores from Experian, one of India’s leading credit bureaus.
This powerful API streamlines the credit-checking process and delivers valuable financial insights in real time — ideal for banks, NBFCs, fintechs, and other credit-driven platforms.
How It Works: Provide the following user details: Full Name, Mobile Number, Date of Birth, PAN Card Number, With this information, the API fetches: Experian Credit Score Full Credit Report (JSON + PDF) Key financial indicators like payment history, credit age, and inquiries
Whether for loan underwriting, credit card issuance, or risk analysis, Verifyal’s Experian API ensures accurate and actionable credit insights within seconds
- Investments
- Finances & Economy
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.
Boost security and ensure
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.
What information is required to use Verifyal’s Experian Credit Report API?
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.
How secure is the process of using the Experian Credit Report API?
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.
What format is the credit information presented in?
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.
Can I access only my credit score, or are additional financial insights provided?
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.
How can the obtained credit information be beneficial for me?
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.
Build With Verifyal
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