Business API

Credit Report Experian

pull a full Experian consumer credit report for an individual from their PAN and mobile number, with the individual explicit consent.

Credit Report Experian
POST

Credit Report Experian API — pull a full Experian consumer credit report for an individual from their PAN and mobile number, with the individual explicit consent. Returns the bureau score, the applicant record as the bureau holds it, an account summary (total, active, closed and defaulted accounts, plus secured versus unsecured outstanding), every trade line with its limit, balance, overdue amount and month-by-month repayment history, and the full enquiry (CAPS) history. Dates are returned as ISO YYYY-MM-DD, amounts as numbers, and every classification field — account type, account status, ownership, asset classification, enquiry purpose — as a stable published value such as credit_card or overdue_90 rather than a raw bureau code, so both the shape and the values of this response are guaranteed not to move. Built for lending decisions, underwriting, portfolio monitoring and risk assessment.

  • Coverage: India
  • Real-time business lookup
  • Structured JSON response
  • POST request with Bearer auth
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Endpoint
POST
https://app.way2api.com/api/v1/credit-report-experian/fetch-report

Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

Request Parameters
Parameter Type Required Description
name string Yes Full name of the individual as it appears on their PAN. 2 to 100 characters.
mobile string Yes 10-digit Indian mobile number of the individual, starting 6-9.
pan string Yes 10-character PAN of the individual, e.g. ABCDE1234F. Case-insensitive.
consent string Yes Must be "Y". A credit bureau enquiry is only lawful with the individual explicit consent, and you must have obtained and retained it.
Request Example
<?php $ch = curl_init(); curl_setopt_array($ch, [ CURLOPT_URL => "https://app.way2api.com/api/v1/credit-report-experian/fetch-report", CURLOPT_RETURNTRANSFER => true, CURLOPT_POST => true, CURLOPT_HTTPHEADER => [ "Authorization: Bearer YOUR_API_KEY", "Content-Type: application/json" ], CURLOPT_POSTFIELDS => json_encode([ "name" => "Ananya Sharma", "mobile" => "9876543210", "pan" => "ABCDE1234F", "consent" => "Y" ]) ]); $response = curl_exec($ch); $httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE); curl_close($ch); $data = json_decode($response, true); print_r($data);
const response = await fetch("https://app.way2api.com/api/v1/credit-report-experian/fetch-report", { method: "POST", headers: { "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, body: JSON.stringify({ "name": "Ananya Sharma", "mobile": "9876543210", "pan": "ABCDE1234F", "consent": "Y" }) }); if (!response.ok) { throw new Error(`HTTP error: ${response.status}`); } const data = await response.json(); console.log(data);
curl -X POST https://app.way2api.com/api/v1/credit-report-experian/fetch-report \ -H "Authorization: Bearer YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{\"name\":\"Ananya Sharma\",\"mobile\":\"9876543210\",\"pan\":\"ABCDE1234F\",\"consent\":\"Y\"}'
$.ajax({ url: "https://app.way2api.com/api/v1/credit-report-experian/fetch-report", type: "POST", contentType: "application/json", headers: { "Authorization": "Bearer YOUR_API_KEY" }, data: JSON.stringify({ "name": "Ananya Sharma", "mobile": "9876543210", "pan": "ABCDE1234F", "consent": "Y" }), success: function(data) { console.log(data); }, error: function(xhr) { console.error(xhr.responseJSON); } });
const { data } = await axios.post( "https://app.way2api.com/api/v1/credit-report-experian/fetch-report", {"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","consent":"Y"}, { headers: { "Authorization": "Bearer YOUR_API_KEY" } } ); console.log(data);
import requests response = requests.post( "https://app.way2api.com/api/v1/credit-report-experian/fetch-report", headers={ "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, json={ "name": "Ananya Sharma", "mobile": "9876543210", "pan": "ABCDE1234F", "consent": "Y" } ) print(response.status_code) print(response.json())
Response Example
200 OK Success Response 
{
    "success": true,
    "message": "",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "result": {
            "name": "ANANYA SHARMA",
            "mobile": "9876543210",
            "pan": "ABCDE1234F",
            "credit_score": 742,
            "report": {
                "number": "1786259702984",
                "date": "2026-08-09",
                "identity_match": "exact"
            },
            "applicant": {
                "first_name": "ANANYA",
                "middle_name": "",
                "last_name": "SHARMA",
                "gender": "female",
                "date_of_birth": "1990-04-17",
                "pan": "ABCDE1234F",
                "passport_number": "",
                "voter_id": "",
                "driving_licence": "",
                "mobile": "9876543210",
                "email": "[email protected]",
                "address": {
                    "line_1": "FLAT 12 SECOND FLOOR",
                    "line_2": "GREEN VALLEY APARTMENTS",
                    "line_3": "SECTOR 21 MAIN ROAD",
                    "city": "NEW DELHI",
                    "state_code": "07",
                    "pincode": "110001",
                    "country_code": "IB"
                }
            },
            "summary": {
                "total_accounts": 6,
                "active_accounts": 3,
                "closed_accounts": 3,
                "default_accounts": 0,
                "suit_filed_balance": 0,
                "outstanding": {
                    "secured": 435757,
                    "unsecured": 170579,
                    "total": 606336,
                    "secured_percent": 72,
                    "unsecured_percent": 28
                }
            },
            "enquiry_summary": {
                "credit": {
                    "last_7_days": 0,
                    "last_30_days": 1,
                    "last_90_days": 2,
                    "last_180_days": 3
                },
                "non_credit": {
                    "last_7_days": 0,
                    "last_30_days": 0,
                    "last_90_days": 0,
                    "last_180_days": 0
                },
                "total": {
                    "last_7_days": 0,
                    "last_30_days": 1,
                    "last_90_days": 2,
                    "last_180_days": 3
                }
            },
            "accounts": [
                {
                    "lender": "EXAMPLE BANK LTD",
                    "lender_code": "PVT3000001",
                    "account_number": "XXXXXXXXXXXXXXX0784",
                    "account_type": "credit_card",
                    "portfolio_type": "revolving",
                    "ownership": "individual",
                    "account_status": "active",
                    "suit_filed_status": "no_suit_filed",
                    "currency": "INR",
                    "opened_on": "2025-12-09",
                    "closed_on": "",
                    "reported_on": "2026-06-30",
                    "last_payment_on": "2026-06-07",
                    "first_delinquency_on": "",
                    "credit_limit": 135000,
                    "sanctioned_amount": 39624,
                    "current_balance": 21791,
                    "amount_overdue": 0,
                    "written_off_total": 0,
                    "written_off_principal": 0,
                    "settlement_amount": 0,
                    "interest_rate": 0,
                    "tenure_months": 0,
                    "payment_history": "000000??????????????????????????????",
                    "monthly_history": [
                        {
                            "year": 2026,
                            "month": 6,
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "year": 2026,
                            "month": 5,
                            "days_past_due": 0,
                            "asset_classification": ""
                        }
                    ],
                    "holders": [
                        {
                            "first_name": "ANANYA",
                            "middle_name": "",
                            "surname": "SHARMA",
                            "alias": "",
                            "gender": "female",
                            "date_of_birth": "1990-04-17",
                            "pan": "ABCDE1234F",
                            "passport_number": "",
                            "voter_id": ""
                        }
                    ],
                    "addresses": [
                        {
                            "line_1": "FLAT 12 SECOND FLOOR",
                            "line_2": "GREEN VALLEY APARTMENTS",
                            "line_3": "SECTOR 21 MAIN ROAD",
                            "city": "NEW DELHI",
                            "state_code": "07",
                            "pincode": "110001",
                            "country_code": "IB"
                        }
                    ],
                    "contacts": [
                        {
                            "landline": "",
                            "mobile": "9876543210",
                            "email": "[email protected]"
                        }
                    ]
                }
            ],
            "enquiries": [
                {
                    "enquired_on": "2026-05-14",
                    "member": "EXAMPLE FINANCE LIMITED",
                    "purpose": "personal_loan",
                    "amount": 100000,
                    "tenure_months": 12
                }
            ],
            "non_credit_enquiries": []
        }
    }
}
4xx Error Response 
{
    "success": false,
    "message": "No credit records were found for the details provided.",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "error_code": "no_record"
    }
}
Common Response Codes
Code Meaning
200 OK — Request successful
400 Bad Request — Missing or invalid parameters
401 Unauthorized — Invalid or missing API key
429 Too Many Requests — Rate limit exceeded
500 Server Error — Try again later
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