Get seamless Credit Report

The credit score works as a first impression for the lender, the higher the score, the better are your chances of the loan being reviewed and approved. Factors considered:

Payment History- 30%
Credit Exposure- 25%
Credit type and duration- 25%
Other factors – 20%

Powering Onboarding & Verification Journeys for 2000+ Enterprises

Score check modes Available

Choose from different types of APIs as per your business requirements

Experian Credit Report Check

Build a solid executive team that leads by example

CIBIL Credit Report Check

Experian Credit Report Check
Fetches Experian credit score of an individual
CIBIL Credit Report Check
Fetches CIBIL credit score of an individual

Credit Score - Why is it required?

Credit score is one of the most important factors that is checked by financial institutions when they receive credit applications from individuals. A high credit score denotes your excellent financial discipline.

AuthBridge’s CIBIL Credit Score Verification

Building an additional layer of security for fraud prevention

Data directly from CIBIL

The data is received directly from Cibil/Experian without any third party involvement

Consent based services

Consent of the user is undertaken before hitting any credit score request

Track previous loan repayment history

Accurately track all previous loans history and repayments of the user

Plug and play model

Ready made plug and play APIs which give seamless integration across platforms

Credit Worthiness Checks Done In Seconds!

Accuracy

51%

Uptime

100%

Average Response Time

<4 sec

Connect with us to get started with real-time verification

Use Cases

Loan Underwriting

Loan underwriting is the process of a lender determining if a borrower’s loan application is an acceptable risk. Underwriters assess the borrower’s ability to repay the loan based on an analysis of their credit, capacity, and collateral. The underwriter can make a final decision without giving equal weight to each consideration.

Fraud Prevention

A fraud alert is a way to let the credit bureaus know that you might be at risk of identity theft and someone might be trying to open a fraudulent account under your name. Hence any lender will have to take some additional steps before they credit your accounts, thereby ensuring that it is you who is requesting.

Digital Verification Technology Awarded by

NASSCOM

AI Innovator Enabling Contactless World (NASSCOM AI Gamechangers Awards 2021)

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FAQs for the ever curious

How is my Credit Score calculated?

Your credit score is calculated after taking into consideration factors such as payment history, credit utilization, credit age, credit type, total credit accounts, etc. It is advised to check your credit score on your own before applying for a loan. You can check your credit score for free here.
Why don’t I have a Credit Score?

If you don’t have a credit score, it’s usually down to one of these two reasons:(1) You don’t have any credit history, i.e., you have not taken a credit card or a loan till now and (2) Your credit history is too old, i.e., you have not used credit in the past 10 years
Will my Credit Score drop if I apply for new credit?

The first step a bank takes when you apply for a new credit card or a loan is to make a hard credit inquiry. A hard enquiry might temporarily lower your credit score.
What does No Hit mean?

No Hit means that based on the details submitted by you, there isn’t adequate credit activity to generate your Credit Score & Report. Please note that the same will be available only when any financial institution submits any information pertaining to your credit activity.