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Home Banking & Payments Experian Credit Report
Banking API

Experian Credit Report API

Fetch Experian credit reports and scores in real time with consumer consent. Perfect for lending, BNPL, credit underwriting, and financial health checkups.

Get Free API Key View Documentation
<5sAvg response
99.9%Uptime SLA
CIBIL*Also available
Credit Report FETCHED
Credit Score785 / 900
Active Loans3
Past DPDs0
Enquiries (6m)2
OverallGOOD
ISO 27001 Certified 256-bit Encryption Real-Time Response REST & SDK Support Made in India
Overview

What is Credit Report API?

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.

Score & Report

Get the score, all tradelines, DPDs, and account history in a structured format.

Consent-Driven

Full consent workflow built-in as per RBI and CICs guidelines.

Real-Time

Sub-5-second fetch, so you can make underwriting decisions instantly.

Key Benefits

Underwrite Faster, Smarter

Fast Decisions

Reduce loan TAT by 80% with real-time credit data.

Compliance-Ready

Meets RBI and Credit Information Companies guidelines.

Better Risk Selection

Combine with our bank statement API for a full risk picture.

Bulk Fetch

Batch pulls available for portfolios and periodic reviews.

Use Cases

Where It Shines

Lending
BNPL & Cards
Personal Loans
Financial Wellness
How It Works

Three Steps to Integration

From sandbox to production in under 24 hours — no paperwork, no waiting.

1

Get API Key

Free sandbox access instantly.

2

Fetch Report

POST PAN + mobile + consent. Get full credit report.

3

Go Live

Production within 24 hours.

Sample Request

Real-Time Credit Report

POST /v1/banking/credit/experian
// Request curl -X POST "https://api.cgpey.com/v1/banking/credit/experian" \ -H "Authorization: Bearer YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "pan": "ABCDE1234F", "mobile": "98XXXX1234", "consent_id": "CNT_abc123" }' // Response { "status": "success", "data": { "score": 785, "score_band": "GOOD", "active_loans": 3, "dpds": 0, "enquiries_6m": 2 } }
FAQ

Frequently Asked Questions

Yes — an explicit, DPDP-compliant consent is mandatory for every credit report fetch.
Yes — we support multiple bureaus including CIBIL, Experian, Equifax, and CRIF. Contact us for details.
Sub-5 seconds on average.
Yes — fully aligned with RBI and CIC guidelines.

Ready to integrate?

Get your sandbox credentials in seconds. Talk to our team to go live in production within 24 hours.

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