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icb report error

  • 11-03-2015 07:39PM
    #1
    reddub2015
    Registered Users, Registered Users 2 Posts: 13 ✭


    Bit of advice needed. I applied to bank of ireland for a mortgage and was turned down due to my poor credit rating. It turns out that my current mortgage provider (ebs) twice reported me to the icb for missed mortgage repayments. I have never missed a repayment and my credit score is down 350 points because of this. Where do I go with this?


Comments

  • #2
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    reddub2015 wrote: »
    Bit of advice needed. I applied to bank of ireland for a mortgage and was turned down due to my poor credit rating. It turns out that my current mortgage provider (ebs) twice reported me to the icb for missed mortgage repayments. I have never missed a repayment and my credit score is down 350 points because of this. Where do I go with this?

    Obviously talk to EBS and get them to amend it if no missed payments. If unhappy with their response make a complaint. If unhappy with response to complaint contact Financial Services Ombudsman.


  • #3
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    You need to check your annual mortgage statements from EBS which will show if and when you missed a payment and check your current account for same months to show evidence that your payments were made on time.

    If EBS made a mistake they will have to correct information to ICB.


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