Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

No credit rating? Will I get a loan?

  • 27-01-2007 8:39pm
    #1
    Elessar
    Registered Users, Registered Users 2 Posts: 5,267 ✭✭✭


    I am going to apply for a loan hopefully soon. I have never got one before, so I am thinking, will I be likely to get one seeing as my credit rating with the ICB will show no loans taken out?

    I assume since I have no loans previously that I will have a zero rating? Does the ICB show any other details like employment/earnings?

    I am hoping to get €10,000 and I am in full time employment, male 21 years old. Am I likely to get that amount considering my credit report?


Comments

  • #2
    Ruu_Old
    Closed Accounts Posts: 36,634 ✭✭✭✭Ruu_Old


    Do you have a credit card? They are reported to the credit bureaus.


  • #3
    Elessar
    Registered Users, Registered Users 2 Posts: 5,267 ✭✭✭Elessar


    Yes I do, I have bought many expensive things with it since I got it two years ago but ALWAYS paid off the balance in full each month.


  • #4
    Ruu_Old
    Closed Accounts Posts: 36,634 ✭✭✭✭Ruu_Old


    Well thats something that should be looked highly upon and give you some sort of credit score, 2 years of history with that. Not sure if household bills are reported (I am thinking not). Can't think of much else apart from a mortgage. Grab a copy of your credit report at icb.ie, it costs 6 euro I think. Just to make sure there are no errors in it, always good to know who has been making enquiries and that sort of thing.


  • #5
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    You then have a credit history. Loans aren't the only thing which go on it :)


Advertisement