What is the Control Number in CIBIL (ECN Number) and How to Get it?

How to Obtain Your Control Number in CIBIL (ECN Number)?

Obtaining your Control Number in CIBIL is a straightforward process. You need to follow these steps:
Step 1: Visit the CIBIL website (https://www.cibil.com/).
Step 2: Click on the 'Get Your Credit Score' tab.
Step 3: Provide your personal details (name, address, DOB, and contact details).
Step 4: Upload scanned copies of your identity and address proof.
Step 5: Choose the subscription option to obtain your credit report.

Once you have completed these steps, CIBIL will generate your credit report and assign a Control Number to it. You can use this Control Number to verify that the lender has accessed the correct credit report and that your personal information is secure.
 

Why Is the Control Number (ECN Number) Important?

The Control Number is an essential aspect of credit reporting in CIBIL. It helps lenders and borrowers ensure the correct credit report is accessed, reducing the risk of fraud and identity theft. The Control Number also helps individuals keep track of the number of times their credit report has been accessed, reducing the risk of unauthorised inquiries affecting their credit score.

When you get the CIBIL score, look for errors in the Control Number, as it affects the score. If the Control Number on an individual's credit report needs to be corrected, it can lead to the lender accessing the wrong credit report. This can result in the lender making a decision based on incorrect information, affecting the individual's credit score negatively.
 

Conclusion

The Control Number, also known as the Enquiry Control Number (ECN), is an essential aspect of credit report in CIBIL, and it helps both lenders and borrowers. So after getting your ECN, if you are considering getting a loan, contact us. We at Hero FinCorp can provide an instant Personal Loan to individuals with credit score of 600+.

Frequently Asked Questions

1. What is the significance of the Control Number in CIBIL?
   The Control Number, also known as the Enquiry Control Number (ECN), is a unique identifier. CIBIL uses the Control Number to track the number of times a credit report has been accessed, which affects the credit score. So when thinking 'how to increase my CIBIL score', the ECN can help you identify the errors.  
2. How is the Control Number generated in CIBIL?
   The ECN is based on the credit report's date and time, the lending institution's unique identification number, and a system-generated random number. CIBIL ensures that each credit report is unique, and one cannot duplicate or tamper with the control number in the CIBIL report.  
3. How can you obtain your Control Number in CIBIL?
   To obtain your Control Number in CIBIL, visit the CIBIL website, click on the 'Get Your Credit Score' tab, provide your details, upload a scanned copy of your identity and address proof, and choose the subscription option to obtain your credit report. Once you have completed these steps, CIBIL will generate your credit report and assign a Control Number to it.
4. What is an ECN number?
   ECN number is a unique 9-digit number assigned to each borrower by CIBIL, India's credit information company, to identify their credit profile.
5. How to get ECN number?
   To get an ECN number, contact your lender or credit bureau. Provide necessary identification and details about your loan account. The ECN number will be issued after verification.
   
   

How to Obtain Your Control Number in CIBIL (ECN Number)?

Obtaining your Control Number in CIBIL is a straightforward process. You need to follow these steps:

Step 1: Visit the CIBIL website (https://www.cibil.com/).
Step 2: Click on the 'Get Your Credit Score' tab.
Step 3: Provide your personal details (name, address, DOB, and contact details).
Step 4: Upload scanned copies of your identity and address proof.
Step 5: Choose the subscription option to obtain your credit report.

Once you have completed these steps, CIBIL will generate your credit report and assign a Control Number to it. You can use this Control Number to verify that the lender has accessed the correct credit report and that your personal information is secure.

Why Is the Control Number (ECN Number) Important?

The Control Number is an essential aspect of credit reporting in CIBIL. It helps lenders and borrowers ensure the correct credit report is accessed, reducing the risk of fraud and identity theft. The Control Number also helps individuals keep track of the number of times their credit report has been accessed, reducing the risk of unauthorised inquiries affecting their credit score.

When you get the CIBIL score, look for errors in the Control Number, as it affects the score. If the Control Number on an individual's credit report needs to be corrected, it can lead to the lender accessing the wrong credit report. This can result in the lender making a decision based on incorrect information, affecting the individual's credit score negatively.

Conclusion

The Control Number, also known as the Enquiry Control Number (ECN), is an essential aspect of credit report in CIBIL, and it helps both lenders and borrowers. So after getting your ECN, if you are considering getting a loan, contact us. We at Hero FinCorp can provide an instant Personal Loan to individuals with credit score of 600+.

Frequently Asked Questions

1. What Is the Significance of the Control Number in CIBIL?

The Control Number, also known as the Enquiry Control Number (ECN), is a unique identifier. CIBIL uses the Control Number to track the number of times a credit report has been accessed, which affects the credit score. So when thinking 'how to increase my CIBIL score', the ECN can help you identify the errors.  

2. How Is the Control Number Generated in CIBIL?

The ECN is based on the credit report's date and time, the lending institution's unique identification number, and a system-generated random number. CIBIL ensures that each credit report is unique, and one cannot duplicate or tamper with the control number in the CIBIL report.  

3. How Can You Obtain Your Control Number in CIBIL?

To obtain your Control Number in CIBIL, visit the CIBIL website, click on the 'Get Your Credit Score' tab, provide your details, upload a scanned copy of your identity and address proof, and choose the subscription option to obtain your credit report. Once you have completed these steps, CIBIL will generate your credit report and assign a Control Number to it.

4. What Is an ECN Number?

ECN number is a unique 9-digit number assigned to each borrower by CIBIL, India's credit information company, to identify their credit profile.

5. How to Get ECN Number?

To get an ECN number, contact your lender or credit bureau. Provide necessary identification and details about your loan account. The ECN number will be issued after verification.