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.
How to get ECN number?
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.
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FAQs on ECN number
- What is an ECN number?
ECN stands for Enquiry Control Number or Control Number. It is a unique nine-digit number that a lender uses to determine the borrower's credit history.
- Where can I find my CIBIL control number?
You can obtain the control number from the lender or request a CIBIL report. You can also call the CIBIL helpline at 1800-224-245 to get your ECN. Alternatively, you can obtain your control number by visiting the CIBIL website.
- Does CIBIL reset after seven years?
Yes, CIBIL keeps a track of defaulters for seven years after the last report date.
- How do I know if my name is on the defaulter list?
To find out if your credit report contains a payment default, you must download the report from the official CIBIL website. You will be required to pay the fees listed on the website for a complete CIBIL report.
- Is a CIBIL score of 780 considered good?
A CIBIL score ranges between 300 and 900. Your chances of obtaining a loan at the best rates will be significantly increased by having a CIBIL score of 780.
- How many digits does the ECN have?
The ECN consists of nine digits.
- What is the use of an ECN?
The ECN number assists banks and financial organisations in obtaining credit information from CIBIL. It stores information about the score and credit history of the borrower. The control number organises and tracks millions of CIBIL reports.
- Where can I find the control number in the CIBIL dispute form?
Your credit report form's control number is located in the upper right corner. It is generated when a Credit Information Report (CIR) is produced.
CIBIL Score Requirements for Loans
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