ECN

ECN is the ‘Enquiry Control Number’ which is used to track the individual credit report and get detailed credit history. This is a unique 9-digit number that is generated every time a lender accesses the credit information of the applicant. When a bank checks your credit score, a unique nine-digit number called an Enquiry Control Number (ECN) is generated for each inquiry made. Lenders use ECNs to access an individual’s credit records. In your CIBIL report, you can find the ECN in the top right corner. To obtain your report, you can request it from the lender. The lender requires the ECN to identify the specific details that they review when obtaining your credit report.

Why is ECN important

Access to Credit Information – Banks and financial institutions utilize the ECN number to access an individual’s credit information stored in the CIBIL database. The ECN serves as a unique identifier that allows lenders to retrieve and review the credit history and score associated with a specific individual.
Credit History and Score – The ECN number within CIBIL contains comprehensive information about an individual’s credit history and credit score. This data provides insights into the individual’s past borrowing behavior, repayment patterns, outstanding debts, and overall creditworthiness. Lenders rely on this information to assess the creditworthiness and risk associated with potential borrowers.
Tracking CIBIL Reports – The use of a control number, such as the ECN, facilitates the efficient tracking and management of millions of CIBIL credit reports. As each individual report is assigned a unique ECN, it becomes easier for lenders and credit agencies to locate and refer to specific reports when evaluating credit applications or conducting credit checks.