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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?

One of the ways through which you can get your ECN number is to request for your CIBIL report where on the top right-hand corner of the page you will be able to see the number mentioned. You can call the customer care executive of CIBIL or visit the CIBIL website to request for credit report. You will have to pay a nominal fee of Rs.550 to view your credit report.

You can also ask the bank from whom you have availed a loan to help you get the ECN number.

Conclusion:

Hence, these are some of the things you must know about ECN number. You can use your ECN number to get important details of your credit report and also check your credit history in a detailed manner.

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