API Sathi
APIsSign inSign up

Financial · Live

Credit Report API (Experian)

Consent-based Experian credit report + score in one call.

From ₹30/callPrepaid · billed per successful call
Get an API key →Read the Credit Report API (Experian) API docs

What the Credit Report API (Experian) API does

The Credit Report API pulls a full Experian bureau report and score for a customer after OTP-based consent — accounts, enquiries, score and analytics — to power lending decisions in seconds.

Popular use cases

  • →Instant-loan / BNPL underwriting
  • →Credit-line and limit assignment
  • →Portfolio monitoring and risk scoring
Request
curl -X POST https://apisathi.in/gw/v1/credit-report-v1/ \
  -H "X-API-Key: live_xxx" \
  -H "Content-Type: application/json" \
  -d '{ "mobile_no": "9820098200", "first_name": "…", "last_name": "…", "otp": "…", "consent_acceptance": "yes" }'
Response
{
  "result": { "BureauScore": "…", "accounts": [ … ] }
}

Call the Credit Report API (Experian) API from Node.js or Python

Node.js
const res = await fetch('https://apisathi.in/gw/v1/credit-report-v1/', {
  method: 'POST',
  headers: { 'X-API-Key': process.env.APISATHI_KEY, 'Content-Type': 'application/json' },
  body: JSON.stringify({"mobile_no":"9820098200","first_name":"…","last_name":"…","otp":"…","consent_acceptance":"yes"}),
});
const data = await res.json();
Python
import os, requests

res = requests.post(
    "https://apisathi.in/gw/v1/credit-report-v1/",
    headers={"X-API-Key": os.environ["APISATHI_KEY"]},
    json={"mobile_no":"9820098200","first_name":"…","last_name":"…","otp":"…","consent_acceptance":"yes"},
    timeout=30,
)
data = res.json()

Credit Report API (Experian) API pricing

  • → From ₹30 per successful call + 18% GST
  • → Prepaid wallet from ₹200; no monthly fee, no minimum volume
  • → Failed or timed-out calls are not charged
  • → Bonus credit on recharges of ₹1,000 and above; GST invoice on every recharge
See live prices for every API →

Start in four steps

  1. Create a free account — about a minute.
  2. Call the Credit Report API (Experian) API with your TEST key in the sandbox, free.
  3. Recharge the wallet (UPI, card or netbanking) from ₹200.
  4. Switch to your LIVE key — the same key works for every API.
Create a free account →

Frequently asked questions

Is consent required?

Yes — the customer must consent via an OTP that you capture and pass in the request. It is mandatory for bureau pulls.

Which bureau?

Experian today. Talk to us about CIBIL / Equifax / CRIF.

How much does the Credit Report API (Experian) API cost?

The Credit Report API (Experian) API on API Sathi starts at ₹30 per successful call plus 18% GST, paid from a prepaid wallet. There is no monthly fee or minimum volume, and recharges of ₹1,000 or more earn bonus credit. Live prices for every API are on the pricing page.

Can I test the Credit Report API (Experian) API for free?

Yes. Every account gets a TEST key that calls the Credit Report API (Experian) API in the sandbox at no cost and returns realistic sample responses, so you can finish your integration before adding money to the wallet.

Am I charged if a Credit Report API (Experian) API call fails?

No. You pay only for successful calls. If the source is unavailable, times out or rejects the request, the amount held for that call is released straight back to your wallet.

How do I get a Credit Report API (Experian) API key?

Sign up at apisathi.in — it takes about a minute — and create a key under API Keys. Use the TEST key in the sandbox, then recharge from ₹200 and switch to a LIVE key. The same key works for every API on API Sathi.

Related APIs

Bank Statement Analysis API

A statement PDF in, structured transactions and income signals out.

From ₹40/call

Average Bank Balance API

ABB from a statement PDF, on the exact days your lender asks for.

From ₹35/call

IFSC Code Lookup API

Turn an IFSC into bank, branch, address and payment-rail support.

From ₹0.50/call

CIBIL Score API

Bureau score and full credit report, with the borrower’s consent.

From ₹125/call

Bank Statement to Excel API

Bank statement PDF in, clean spreadsheet out.

From ₹10/call

Aadhaar eSign API

Send a PDF, get it signed with Aadhaar OTP — legally valid, no paper.

From ₹30/call

Start using the Credit Report API (Experian) API today

Sign up, recharge a prepaid wallet and generate a key in minutes. Lowest price guaranteed, no volume commitment.

Create a free account →Browse all APIs