Check Experian Credit Score for Free

When you apply for a loan, the lender or the bank checks your credit score. They may choose to check either your CIBIL score, Experian score, or both. 

In case you were searching for how to do an Experian credit score check online and for free, read ahead.

What is the Experian Credit Score?

Experian is a credit information company that has been operating in about 39 other countries for the past 125 years

It acquired the license to operate in India in 2010 and is recognized by the Securities and Exchange Board of India (SEBI) and the Reserve Bank of India (RBI). It provides credit scores for both individuals and companies which is known as the Experian credit score. 

Searching for ‘Experian CIBIL score check’ instead? 

Please note that Experian and CIBIL are two separate credit information companies and they generate different credit scores. Your scores might vary slightly based on their individual credit assessing algorithms. 

Steps for Experian Credit Score Check 

Experian credit score helps the lender to understand your creditworthiness. Thus it is always a good idea to check your score by yourself before applying for a loan.

Here are the steps to complete an Experian credit score check online -

STEP-1: Go to the official Experian website and click on the ‘Free Credit Score’ button on the top left. Click on ‘Register Now’.

Screenshot From Experian Offical Website

Screenshot From Experian Offical Website

STEP-2: On the next screen, enter your mobile number and click on the ‘Send OTP’ button.

Screenshot From Experian Offical Website

Screenshot From Experian Offical Website

STEP-3: Enter the 6-digit OTP on the next screen and click on ‘Verify’.

STEP-4: On the next screen, fill in your details like your name, email ID, date of birth, etc. You can choose any ID type from your PAN card, Voter’s Card, Ration Card, Driving License, or Passport. Enter the number of the selected ID proof.

STEP-5: Finally, click on the declaration checkbox and click on ‘Get Report’.

STEP-6: Your Experian Credit Report will be shown on the screen. You can also download the report by clicking the ‘Download Report’ button.

Experian Credit Score Range and Meaning

The Experian credit score range is from 300-900 and a higher score is considered better. And a higher score translates to higher creditworthiness.

Here is a table that tells you what the scores translate to in terms of creditworthiness - 

Credit Score Range

Creditworthiness

750 - 900

Excellent

700 - 749

Good

650 - 699

Fair

600 - 649

Doubtful

Below 600

Immediate Action Needed


Why is Experian Credit Report important?

Credit reports in general help the lender understand your credit behavior. A credit report is much more than your 3-digit credit score. 

The credit score is just an overview of your creditworthiness. But the credit report contains other information like your credit age, number of loan inquiries, active loan accounts, payment history, etc.

The lender makes most decisions related to approving the loan based on the credit report, which makes it very important. Here are the factors that are decided based on your credit report - 

How to Improve Experian Credit Score

A good credit score can help you get a loan much more easily. It also helps you to negotiate interest rates, and get a loan on terms that are comfortable to you. Thus, you should take calculated steps to improve your Experian credit score. 

Here are a few tips and tricks to improve your Experian credit score - 

Conclusion

A good credit score is very helpful when applying for any credit product. The Experian credit score is one of the most used credit scores in India, and banks and lenders often use it along with the CIBIL score.

If you happen to have a low Experian credit score, you can work on improving it with good financial planning. It takes time to increase your credit score, but it is worth the hard work. A good credit score paves the way for easier loan approvals and lower interest rates. 

Check Experian Credit Score Free - Related FAQs

Yes, a preliminary credit score check is free on the Experian website. Experian is recognized by both SEBI and RBI and is completely safe.

A score of 700 or above is considered a good Experian score.

You can get the basic Experian score for free, but if you want a detailed report, you can get it by paying Rs.399. An annual subscription, however, with updates costs Rs.999.

No, CIBIL and Experian are different credit information companies and generate separate credit scores. They may vary slightly based on their own credit-assessing algorithms. If you were searching for an ‘Experian CIBIL score check’, it will not be available.

Yes, the Experian score is one of the top most used credit scores in India. Banks may use it along with the CIBIL score or by itself to gauge the creditworthiness of a borrower.

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