What is the ECN Number in the CIBIL Report and How to Get It?

When you apply for credit, lenders check your credit report to understand your repayment history and level of risk. Many people ask what an ECN number is and why it is important. ECN stands for Enquiry Control Number, and is a unique code used to organise and track your credit details in your credit report.

The ECN number helps lenders manage your credit information in a safe and proper way. If you want to do an ECN number check online, you can review your credit report and find this number mentioned in it. This makes it easier to track credit enquiries linked to your profile.

Your credit score plays a major role in loan approval because it shows your credit behaviour and reliability. Checking your credit report before applying for a loan is always a wise step. A strong credit score and a clean credit history can help you get faster approval for both secured and unsecured personal loans from trusted lenders like Bajaj Finance.

✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

With an online personal loan, you can avail of a high loan amout with nominal interest rates to meet your goals. You can also benefit from online management, doorstep document pickup, and Flexi Loan facilities on this loan. The Flexi personal loan facility, for instance, is highly beneficial, as it allows you to withdraw from your sanction in parts and pay interest only on the sum you withdraw from your sanction. 

The term ECN number means Enquiry Control Number, a unique nine-digit code used by lenders to track credit records of millions of borrowers. This number is generated each time a lender accesses your credit report. The ECN helps CIBIL quickly locate your specific credit report, so it’s important to provide this number when communicating with CIBIL. Since the ECN number is exclusive to your credit report, no other borrower shares the same code.
 

Additional Reading: What is CIBIL score?

Many people ask what an ECN number means and why it is important in a credit report. The ECN number, also known as the CIBIL control number, is a nine digit code used to organise and manage credit reports in a proper way. It helps in keeping millions of credit records arranged and easy to track.

The CIBIL control number is linked to your credit history and repayment behaviour. It allows banks and financial institutions to access the correct credit details when they review your loan application. Since this number is confidential, it is not shared openly and may not be easy for individuals to obtain directly.

• Under the Credit Information Companies Regulation Act, 2005 (CICRA), you have the right to access your ECN number and credit report.
• Since the ECN number is confidential, lenders may not share it over a phone call.
• You can request your ECN number directly from the lender from whom you availed the loan.
• Alternatively, you can obtain it by accessing your CIBIL Report, where the ECN is mentioned in the top right-hand corner.
• Call the CIBIL helpline at 1800-224-245 to request your ECN number.
• You can also retrieve it by visiting the CIBIL portal and paying a nominal fee of Rs. 550 for a one-time credit report.

Additional Reading: Personal loan with low CIBIL score

Now you are fully informed about all there is to know about the ECN number, you can better your borrowing experience. Moreover, you can check your pre-approved personal loan offer from Bajaj Finance whenever you are ready to apply for this collateral-free financing solution.