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Loan & Credit Rating?

  • 26-06-2008 8:08pm
    #1
    ImDave
    Registered Users, Registered Users 2 Posts: 1,096 ✭✭✭


    I got a small loan in October of last year. I have made all the repayments via Direct Debit, apart from one where I transferred money into the account from which the loan repayments are taken from, and the funds didnt hit the account before the repayment went through so it was declined. However, I paid it the next day in-branch. Will this go down as a missed payment on my credit rating? I am just wondering because I got a copy of my credit rating from the ICB today, and the loan doesnt even appear on it! The only thing on it is the enquiry the bank made before giving me the loan. Is this normal. It is a student loan for €2,500.


Comments

  • #2
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    No. A loan only appears on the ICB if there's 3 missed repayments. If your ICB rating is clear then you should be ok.


  • #3
    TechieEddy
    Closed Accounts Posts: 185 ✭✭TechieEddy


    No. A loan only appears on the ICB if there's 3 missed repayments. If your ICB rating is clear then you should be ok.
    Are you sure about that? I got my ICB report before and it had my current loan listed on it and I did't miss any repayments.
    Im hoping I didn't read it wrong :)


  • #4
    dudara
    Registered Users, Registered Users 2 Posts: 33,518 ✭✭✭✭dudara


    Sometimes things just don't appear on the ICB report. I got one recently, and while it listed all loans I'd taken out, it was missing VISA information.


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