Having a credit history, a good one, helps you negotiate with the lender on interest rates and loan amount. You also get to choose among the best credit cards if you have maintained a good credit history. To be able to see or track how much is your credit worthiness, you tend to check it. There are many credit bureaus in the world where it is available. However, only a few can be considered as genuine and trustworthy.
Experian is among the top credit bureau companies in the whole world where you can check your credit score and Experian credit report. These two are generated based on your repayment history. If you have done all the payments on time, your score will be good. You should also know that Experian credit score ranges from 0-900. The is sent to your registered email ID and also on your mobile number.
How can you check your Experian score?
Below are the details you have to provide to get your Experian credit score.
- Your Full Name, Mobile Number, and Email ID and click on the ‘Submit’ button.
- OTP received on your registered mobile number
- Click on ‘Verify & Continue’ tab
- Your Date of Birth and Gender
- Your permanent address including the state, city, Pincode
- Your Permanent Account Number (PAN) and submit.
What is an Experian Credit Report?
When you check your credit score, all your details are submitted with the company. Your Experian credit report is then generated and sent on your registered email ID. The report takes into account total number of credit accounts you have, total debt (if any), and number of applications you have put in last 6 months.
How can you get the report?
You have to sign up at the official website of Experian. You do not have to pay anything as the service is available for free. You have to provide your personal details such as Permanent Account Number (PAN), residential address, and other information for authentication purposes. The generated report is sent to your registered email ID and mobile number.
How much time does the process take?
It hardly takes more than 10 minutes during the whole process. You can put on your earphones and simply do not but do not get mesmerised with the music and do mistakes! So, just visit the website and start your process. The procedure is very simple and anyone who understands even the basics of computers can simply do it.
Talking about the difference between Experian credit score and others, there is not much difference except that it depends on your comfort. If you find the smoother here, you can make it your final credit checking portal.