Fetch Experian credit reports and scores in real time with consumer consent. Perfect for lending, BNPL, credit underwriting, and financial health checkups.
A consent-based API that fetches the consumer's credit report and score from Experian in real time � the fastest, most reliable input for credit underwriting.
Get the score, all tradelines, DPDs, and account history in a structured format.
Full consent workflow built-in as per RBI and CICs guidelines.
Sub-5-second fetch, so you can make underwriting decisions instantly.
Reduce loan TAT by 80% with real-time credit data.
Meets RBI and Credit Information Companies guidelines.
Combine with our bank statement API for a full risk picture.
Batch pulls available for portfolios and periodic reviews.
From sandbox to production in under 24 hours — no paperwork, no waiting.
Free sandbox access instantly.
POST PAN + mobile + consent. Get full credit report.
Production within 24 hours.
Get your sandbox credentials in seconds. Talk to our team to go live in production within 24 hours.
CGPEY provides a developer-focused experian credit report api solution for businesses that need dependable digital workflows, structured results, and a smoother integration experience. The API is designed to help teams connect verification and business checks with existing applications while keeping the user journey simple.
With secure API connectivity, clear response data, and automation where applicable, teams can reduce repetitive manual work and build consistent onboarding, compliance, risk, or operational workflows. This makes CGPEY APIs useful for fintech platforms, digital businesses, marketplaces, and other organisations that need scalable verification infrastructure.
Explore the capabilities, integration steps, supported use cases, and frequently asked questions on this page to understand how the service can fit into your technology stack.
For teams building intelligent digital operations, AI-assisted automation can complement what is credit report api? workflows by helping organise verification signals, prioritise exceptions, surface patterns, and reduce repetitive review. Used with appropriate human oversight, consent, and business rules, AI can make API-driven processes more efficient while keeping important decisions transparent and controllable.