CIBIL Score Facility

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What is the Experian Credit Information Report?

Experian Credit Information Report (Experian CIR) is the collection of information such as credit/loan history, identity information, credit accounts, credit cards, loans, payments, and bank enquiries. All the information provided by the member institutions of Experian will be made available in the Experian CIR. It includes all recorded credit information for any consumer such as type of borrowing, date of the loan, outstanding balance, payment history, and default payments if any.

The report also covers the information of when a lender made an enquiry about a customer. Information about the applicant’s previous details of credit applications such as the amount requested and the type of credit facility applied for.

What is Experian Credit Score Range and What It Means?

A credit score is a measure of an individual’s ability to pay back the borrowed amount. It is the
numerical representation of their creditworthiness.

“Experian Credit Score” refers to the numeric summary derived based on a consumer’s credit history of existing and previous loans/credits taken and the enquiries received from banks and
financial institutions. In addition to all the information available on Experian CIR, you can also find this three-digit credit score that represents the entire report. A higher score states that you are good to get a new credit facility; makes it more favourable for lenders to trust you with their money. A lower score can be improved if repayments are made on time.

This score varies between 300 and 900. The close your Experian score is closer to 900 (such as 750 and above), the greater your chances of being approved for a new loan or credit card. Credit scores ranging from 300 to 579, 580 to 669, 670 to 739, 740 to 799, and 800 to 850 are considered to be very poor, fair, good, very good, and excellent.

When you apply for a credit card or a loan from a bank of NBFCs, having a higher credit score may entitle you to receive further benefits such as a higher loan amount, lower interest rate and your choice of tenure to repay the loan.

Experian Score Range Meaning
NA/NH This means it is either “not applicable or no history”. If you have not used a credit card or have never taken a loan, you will have no credit history.
350 – 549 A CIBIL score in this range is considered as a Bad CIBIL score. It means you have been late in paying credit card bills or EMIs for loans. With a CIBIL score in this range, it will be difficult for you to get a loan or a credit card as you are at a high-risk of turning into a defaulter.
550 – 649 A CIBIL score in this range is considered as Fair. It suggests you have been struggling to pay the dues on time. The interest rates on the loan could also be higher.
650 – 749 If your CIBIL score is in this range, you are on the right path. You should continue displaying good credit behaviour and increase your score further. Lenders will consider your credit application and offer you a loan. However, you may still not have the negotiation power to get the best deal on the rate of interest for loan.
750 – 900 This is an Excellent CIBIL score. It suggests you have been regular with credit payments and have an impressive payment history. Banks will offer you loans and credit cards as well considering you are at the lowest risk of turning into a defaulter.
Why Should I check my Credit Score?

It is very important that you keep a close eye on your Credit Score. It is the best way to gauge your chances to get a line of credit. Another reason why you should track your score is to know if it dips, or if an error has been made by credit agencies while calculating your score. This will help you make timely amends.

Does my Credit Score Get Impacted if I enquire about it?

It depends on the kind of enquiry being made. There are two types of enquiries – hard and soft enquiry. Hard enquiries send your Credit Score down by a few points, while soft enquiries do not impact your Credit Score.

An enquiry made by an individual is called a soft enquiry. A hard enquiry is when a financial institution checks your Credit Score to take a decision on your credit application. Every time you apply for a loan or a Credit Card, the lending institution checks your score. Each time a bank checks your score; your score will dip by a few points.

TIP: If you are applying for a loan or a Credit Card, do not apply to many banks at the same time. Too many enquiries will hurt your Credit Score.

Key factors affecting your Experian Score:

The following are some of the key factors that are may affect your credit score:

  • Late Repayment history,
  • Credit utilization ratio,
  • Length of credit history, and
  • Total number of loans and cards availed by you
Benefits of a good Credit Score:

If you have a good Credit Score, This powerful number can help you with

  • Higher chances of getting a loan or credit card approved
  • Better offer on loan & credit card
  • Quick Loan Approval
  • You can get better Interest Rate by bargaining
  • Loans Made More Affordable
Essential tips to keep your financial health fine!

You can have a high CIBIL score with these three tips:

  1. Make timely & regular Payments of dues
  2. Use only up to 50% of your Spending Limit on your Credit Card
  3. Create Credit history by choosing a different form of credits (Credit card, loans)
How to Improve Your Experian Credit Score?

If your Experian score is low, your chances of getting credit in time of need from a bank or other lenders may also go slim. To avoid such a situation, adhere to the further mentioned tips to improve your credit score:

  • Start paying your loan EMIs and credit card dues on time
  • Maintain a low credit utilization ratio, preferably less than 30% of the total credit limit available to you
  • Do not close your old credit accounts as they help build a strong credit history
  • Regularly check your credit report and credit score
  • If you find any discrepancies in your credit report, inform the credit bureau immediately and get them corrected
  • Do not submit multiple loan/credit card applications within a short time as this may portray you as credit hungry and decrease your creditworthiness
Why Credit Reports are used?
  • Determining creditworthiness
  • Reviewing missed/late payments
  • Checking the credit score online
  • To analyse all credit and loan accounts under one platform
  • Reporting errors on the report
  • Making effective landing decisions, etc
The following documents and details are required for obtaining a credit report online:
  • Name
  • Date of birth
  • Address
  • PAN card number
  • Identity authentication
Understanding the Credit Reports through key terms :
NA or NH: If you never owned a credit card or took a loan, there are chances that you will see an NA or NH on your credit score. NA or NH indicates that are there no, little, or insufficient credit activity to create a report or to generate a online credit score.
STD: Applicable to an individual’s credit report where the payments are made with the due dates.
SMA: Applicable on a credit report when the borrower has delayed the repayments.
DBT: This indicates a doubtful situation where the credit information has been inactive for over 12 months.
LSS: A credit report can be remarked as LSS if a lender reported the loan/credit card account as loss or if the account remains as a defaulter for a longer period of time.
DPD: Days past due (DPD) indicates the number of days that the account has not received a payment. Written Off/Settled Status: In a situation where the borrower could not make the repayment but came to an agreement with the lender for either a repayment plan or a settlement will indicate a written off or settle status.
Sr. No Service Name Rate
1 CIBIL ₹ 499/-
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