Check your credit score and report
See your Experian credit report and learn what shapes your score.
- Your full Experian report: accounts, payment history and enquiries
- Spot mistakes and raise a dispute with Experian
- Simple tips to improve your score
- Mobile
- OTP
- Details
Check your credit report
Start with your mobile number. We will send you a 4-digit OTP.
What is a credit score?
A three-digit number, from 300 to 900, that shows how reliably you repay borrowed money. A higher score means lower risk to a lender.
Why it matters
Lenders look at it to decide on your loan or card, and on the interest rate they offer. A strong score gives you more choice.
Checking your own score
Checking your own report does not lower your score. You can also get your report from bureaus such as CIBIL, Equifax, Experian and CRIF High Mark.
What your score means
Credit scores fall into four broad bands.
- 750–900Excellent
Lenders see you as low risk; more loan choices
- 650–749Good
Good chance of approval at fair terms
- 550–649Fair
Fewer options; rates may be higher
- 300–549Poor
Approval is harder; work on improving it
| Score Range | Rating | Description |
|---|---|---|
| 750–900 | Excellent | Lenders see you as low risk; more loan choices |
| 650–749 | Good | Good chance of approval at fair terms |
| 550–649 | Fair | Fewer options; rates may be higher |
| 300–549 | Poor | Approval is harder; work on improving it |
How is it worked out?
Each bureau uses its own formula. All of them look at how you repay, how much of your credit you use, how long you have had credit, the mix of loans and cards, and how often you apply.
What affects your score
- Payment history – Paying every EMI and card bill on time matters most.
- Credit use – Using a small share of your card limits helps. Many lenders like to see under 30%.
- Length of history – Older accounts show a longer track record.
- Credit mix – A mix of loans and cards, handled well, helps.
- New applications – Many applications in a short time can lower your score for a while.
- Defaults and settlements – Unpaid or settled loans can pull your score down for years.
How to improve your score
- Pay on time – Set reminders or auto-pay for every EMI and card bill.
- Use less of your limit – Keep card balances well below the limit.
- Keep old accounts open – They lengthen your credit history.
- Apply only when you need to – Space out new loan and card applications.
- Check your report – Look for mistakes and get them corrected.
- Clear overdue amounts – Pay off or agree a plan for any dues.