Short answer: Your Experian report is the record Experian Credit Information Company of India keeps of every loan and credit card in your name, how you repaid them and who has checked your credit. Scores run from 300 to 900. You can get one free full report a year from the official Experian India website, and you can dispute any error online; the bureau must resolve it within 30 days.
Last updated: 12 October 2026. General information, not financial advice. Your lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms.
Experian is a global credit bureau that operates in India through its Indian credit information company. Many fintech apps and some banks pull Experian reports, so your Experian score may be the one you see most often in apps.
Experian at a glance
| Detail | |
|---|---|
| Bureau | Experian Credit Information Company of India |
| Group | Part of the Experian group, a global credit bureau. |
| Score range | 300 to 900 |
| Free full report | One a year, from the official Experian India website |
| Dispute resolution | Within 30 days; ₹100 a day compensation for delays |
| Regulated by | Reserve Bank of India (credit information company) |
What is in your Experian report
| Section | What it shows | What to check |
|---|---|---|
| Personal details | Name, date of birth, PAN, addresses, phone numbers | Spellings, old addresses, a PAN that is not yours |
| Accounts | Every loan and card: lender, type, amount, balance, status | Loans you never took; closed loans still shown as active |
| Payment history | Month-by-month record of on-time or late payments (DPD) | Late marks you dispute; months marked XXX (not reported) |
| Enquiries | Lenders who pulled your report when you applied | Enquiries you did not authorise |
| Score | A number from 300 to 900 summarising the above | Changes after you fix errors |
Payment history uses codes such as 000, 030, SMA or SUB. See what DPD and these codes mean.
How to get your free Experian report
- Go to the official Experian India website. Avoid third-party links that ask for payment.
- Verify your identity with PAN and the OTP sent to your registered mobile number.
- Choose the free annual report. Paid plans with frequent refreshes are optional.
- Download and save the PDF, and note the report date.
How to dispute an error on Experian
- Use the dispute section on the official Experian India website and pick the exact account or detail that is wrong.
- Attach proof: a closure letter or NOC, payment receipts, or your ID for personal details.
- The bureau checks with the lender that reported the data. If the lender’s data is wrong, the lender must correct it and the bureau updates your report.
- If it is not resolved within 30 days, escalate to the RBI Ombudsman at cms.rbi.org.in. Our dispute guide has a ready letter.
Why your Experian score differs from other bureaus
Each bureau uses its own scoring model, and not every lender reports to every bureau on the same day. Small differences are normal. A large gap usually means one bureau is missing an account or holds an error, so check that report closely.
Your rights
- One free full report a year from each bureau (CIBIL, Experian, Equifax and CRIF High Mark).
- Checking your own report does not lower your score. It is a soft enquiry.
- Lenders report at least every fortnight, so payments and corrections show faster than before.
- Alerts: bureaus must alert you by SMS or email when your report is accessed, and lenders must tell you when they report a default.
- Disputes: bureaus must resolve complaints within 30 days, and lenders must update corrected data within 21 days. If either misses the deadline, you are entitled to compensation of ₹100 a day.
Know your score? See which personal loan options fit your profile.
Credit report guides: Credit reports explained · CIBIL · Experian · Equifax · CRIF High Mark · DPD codes · Settled vs closed · Raise a dispute · Improve your score
Frequently asked questions
Is the Experian report free?
Yes. You are entitled to one free full report a year from Experian. Frequent refreshes or score tracking may be paid add-ons.
Do lenders check Experian?
Lenders choose which bureaus to pull, and many check more than one. Every regulated lender must report to all four bureaus, so your loans should appear in each.
How long does a Experian dispute take?
The bureau must resolve it within 30 days. If the lender has to correct data, it must do so within 21 days. Delays entitle you to ₹100 a day in compensation.
Does checking my report lower my score?
No. Checking your own report is a soft enquiry. Only applications for loans and cards create hard enquiries.
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.