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Credit History Check?

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  • 09-10-2007 5:38pm
    #1
    Morbid.Angel
    Closed Accounts Posts: 286 ✭✭


    This post has been deleted.


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    #2
    dahamsta
    Banned (with Prison Access) Posts: 16,659 ✭✭✭✭dahamsta


    http://www.dataprivacy.ie/ViewDoc.asp?fn=/documents/rights/2b.htm&CatID=19&m=r

    You can now apply online for the same fee (€6):

    https://secure.icb.ie/cr_personal.jsp

    Make absolutely sure you include every address and variant of address. You'll likely get one "report" per address.

    adam


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    #3
    Slice
    Closed Accounts Posts: 1,133 ✭✭✭Slice


    I requested mine to discover that the only creditors to make use of the facility were the various credit card companies I've been with, it was all very dissapointing really


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    #4
    bekz09
    Closed Accounts Posts: 14 ✭bekz09


    does anyone know how to repair your credit history? can't get credit anywhere


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    #5
    jor el
    Closed Accounts Posts: 16,713 ✭✭✭✭jor el


    Yeah, pay your bills. If you can't get credit anywhere there's probably a very good reason and it's probably for the better.

    I think credit history lasts 5 years, so in 5 years (if you stay clean) you'll be OK.


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    #6
    dahamsta
    Banned (with Prison Access) Posts: 16,659 ✭✭✭✭dahamsta


    Depends on what they mean by "repair" though; i.e. is the damage self-inflicted or erronous? If the former, jor el is right, you'll just need to behave yourself and live without credit for a few years. If the latter though, you should get a copy of your credit record and make sure it's 100% accurate. If it's not, you'll need to get onto the organisation that filed erronous information and get it corrected.

    I tend to recommend that people get a copy of their credit record every 2 or 3 years anyway, it only costs a few quid and a little bit of time, and it could pay off in the long run. I'll be getting a mortgage in the next few years, so I'll be watching mine like a hawk. Just ordered a copy today in fact!

    adam


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