What is ECN Number and how can you get it?
Your credit score is one of the most important information the lender will look for before sanctioning a loan in your name. You need to have a decent credit score to have your application for a loan get approved.
Your credit score gives the lender an idea whether you will be able to repay the loan amount on time or not for which they contact CIBIL who uses your ECN number to provide the necessary information to the bank.
What is an ECN number?
ECN number is a unique nine-digit number through which a lender finds the credit history of the borrower. ECN is Enquiry Control Number or simply known as Control Number. The ECN is generated when the bank accesses your credit score. It must be noted that control number will be different for each borrower and you will never find two people with the same control number.
The purpose of having ECN number
Given below are the reasons why it is important to have an ECN number:
- ECN numbers help CIBIL maintain millions of CIBIL reports in an organised manner.
- The ECN number helps the lender check your credit score and history.
- The control number helps in maintaining every information related to your credit score and history in a secured manner.
Where is the ECN Number Used?
The ECN number is mainly used when a borrower interacts with TransUnion CIBIL Limited regarding their credit report. Some common situations where the ECN number is required include:
How to get ECN number?
- Raising a dispute in your CIBIL credit report
- Communicating with CIBIL customer support regarding your report
- Tracking a credit report request
- Identifying a specific credit report generated for a lender
There are multiple ways to get your ECN number. Read on to know more about it:
- Request for the ECN from the lender: You can ask your lender, who accessed your credit report, to provide the ECN.
- From your credit report: If you have recently reviewed your credit report, you can find your ECN in the top right corner. It is advisable to note this number for future reference.
- Through CIBIL: You can request CIBIL to provide ECN:
- CIBIL Helpline: You can call 1800224245 and inquire about your ECN.
- Written Request: You can visit the CIBIL website and submit a written request to receive the ECN.
- Subscription: Subscribe to periodic credit reports to get both your ECN and credit report.
Difference Between ECN Number and CIBIL Score
ECN Number | CIBIL Score |
A unique control number generated when a credit report is accessed | A three-digit number representing the borrower’s creditworthiness |
Used to identify and track a specific credit report | Used by lenders to evaluate loan eligibility |
Generated for every credit enquiry | Ranges between 300 and 900 |
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FAQs on ECN number
1.What is an ECN number?
ECN stands for Enquiry Control Number. It is a unique nine-digit number generated when a Credit Information Report (CIR) is accessed. This number helps identify and track a specific credit report.
2.What is the use of an ECN number?
The ECN number helps lenders and credit bureaus identify a particular credit report generated for a borrower. It is mainly used for tracking credit enquiries and managing credit report records.
3.When is an ECN number generated?
An ECN number is generated whenever a Credit Information Report is accessed. This can occur when a bank checks your credit report for a loan application or when you download your credit report from the CIBIL website.
4.Does the ECN number change?
Yes, the ECN number changes each time a new credit report is generated. Every credit enquiry produces a new Credit Information Report and a new ECN number.
5.Where can I find my ECN number?
You can find your ECN number in the Credit Information Report issued by TransUnion CIBIL Limited. It is usually displayed at the top section of the report.
6.How can I get my ECN number?
You can obtain your ECN number by downloading your credit report from the official CIBIL website or by requesting the credit report through a lender that has accessed your credit profile.
7.How many digits are there in an ECN number?
An ECN number consists of nine digits and is generated automatically whenever a credit report is created.
8.Is the ECN number the same as the CIBIL score?
No, the ECN number and the CIBIL score are different. The ECN identifies a specific credit report, whereas the CIBIL score represents a borrower’s creditworthiness.
9.Who can access my ECN number?
The ECN number may be accessed by the borrower when downloading their credit report, by lenders requesting the report, and by customer support of TransUnion CIBIL Limited for report identification.
10.Why is the ECN number important?
The ECN number helps track credit report enquiries and allows credit bureaus and lenders to quickly locate a specific credit report associated with a borrower.
CIBIL Score Requirements for Loans
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