What is experian credit score?

The Experian credit score is a 3-digit number that shows how responsibly you handle your loans, EMIs, and credit cards. It ranges from 300 to 900, and a higher number means better credit behaviour. Banks, NBFCs, and fintech companies in India use it to decide whether to approve your loan or credit card application.

Experian is one of the four major RBI-approved credit bureaus in India, along with CIBIL, CRIF High Mark, and Equifax. Every month, lenders share your repayment and credit activity with these bureaus, and Experian uses that data to calculate your score.

Why Experian Score Matters

Your Experian credit score acts like a “financial report card.” Lenders check it to judge:

• How likely are you to repay on time 
• How much credit do you already have 
• Whether you’ve missed payments or defaulted
  

A score above 750 is generally good. It improves your chances of getting loans quickly and at lower interest rates. A low score means you might have to pay higher rates or even face rejection.

Factors That Affect Your Experian Score

Experian uses your past and current financial behaviour to calculate the score. Some key factors are:

• Repayment history: On-time EMI and bill payments improve your score. 
• Credit utilisation: Try to keep your utilisation below 30% of your card limit. 
• Length of credit history: The older your credit accounts, the better. 
• New credit enquiries: Applying for too many loans or cards lowers your score. 
• Credit mix: A healthy balance of secured (e.g., car/home loans) and unsecured (e.g., credit cards) credit helps.

How to Check Your Experian Credit Score

You can check your Experian credit score for free once every year from the official Experian India website. You’ll need your PAN number, mobile number, and a quick OTP verification. Once verified, you can view and download your full credit report.

Why You Should Monitor It

Regularly tracking your Experian score helps you spot errors early and understand how your financial habits affect your creditworthiness. If you maintain timely payments, low utilisation, and limited new credit, your score will steadily rise.

Bas itna yaad rakho — high Experian score = easy loans + better rates.
You can also track your overall credit health through trusted apps like GoodScore to stay financially fit.