Experian Credit Score: A Quick Guide

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Experian is a reputable credit bureau in India that holds, protects, and manages consumers' data, which lending institutions use to lend loans while mitigating fraud or default. It creates people’s credit reports by analyzing their credit histories and giving them an appropriate Experian credit score.

Since its inception in 2010, it has become the first credit bureau in India to provide free credit scores on WhatsApp. Moreover, it is the first CICRA-licensed credit bureau to operate in the country. Considering this, many Indian lending institutions check their applicants’ Experian credit ratings to determine their credibility.


Loan companies often determine an applicant's loan eligibility, amount, interest rates, and other terms and conditions based on their credit score.

The Experian credit score ranges from 300 to 900. The closer the score is to 900, the better it is for the loan seeker's credibility. For instance, reputable finance companies expect a credit score of at least 630 to qualify for a Personal Loan.

So, maintain a consistent repayment history, diversify the credit portfolio, reduce the DTI and CUR ratio, and take other efficient steps to improve the credit score and get better loans easily.

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