experian-cir-india

Experian India Catching Up with CIBIL on Customers

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Experian IndiaExperian is one of the four credit bureau license holders in India – CIBIL, CRIF Highmark and Equifax being others. In the global pecking order, Experian is 2X Equifax and 4X Transunion globally. In India TransUnion (CIBIL) has a larger presence.

In India, there are two entities, Experian Services India – 100% sub, decision analytics, marketing services (CheetahMail – world’s largest email marketing platform), business information (international reports).

Experian India: (1) 210 mn+ customers (2) 600 mn + address (3) 150 mn+ mn name variations; 60 mn+ identity variations. Credit accounts: (1) 380 mn+ current credit accounts; roughly 2 lines of

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Credit Bureaus Lobby for Mobile / Utility Bill Payment Records

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Mobile Bill Pay India - CIBILLeading Credit bureaus in India – CIBIL, Experian and Equifax have started lobbying with the government for to get access to consumers Mobile Bill Payment records. The companies have initiated talks with TRAI which currently prohibits sharing of consumer data with any of the credit bureaus in India.

Telecom Operators are Un-willing to share the information with the Bureaus unless the Government mandates. Separately, CIBIL the company which tracks your creditworthiness is also in talks with various Utility Companies (Electricity Suppliers where Consumers Pay Monthly Bills) as these records will

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How does Sample Experian Credit Information Report Look Like in India ?

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We’ve received some mails from our readers on asking us to explain the Experian Credit Information Report now available in India. Acknowledging readers demand today we’ll explain the contents and format of Experian Credit Report released by Indian Office which is in compliance with the Credit Information Companies (Regulation) Act, 2005.

Section 1 of the Experian Credit Information Report [CIR] is the “Application Details“.
These are the details you give us as part of your application for your CIR supported by the relevant documents including Personal details such as Name, Address, Date of Birth, Telephone Number, Gender, Marital Status, Email id and identity details such as PAN, Voter Id, Passport Number, Driving License, Ration Card & Universal Identification (Aadhaar number). Experian has used this information to produce your report and this section looks like as stated below.

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