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Changing bank

  • 16-04-2015 8:31pm
    #1
    Jayball09
    Registered Users, Registered Users 2 Posts: 62 ✭✭


    Hi Folks.

    Quick question. If I change banks, can my new bank see any missed direct debits I had with my old bank?

    Are missed Direct Debits logged to the ICB?

    Cheers,

    J


Comments

  • #2
    matt70iu
    Registered Users, Registered Users 2 Posts: 415 ✭✭matt70iu


    Hi

    No, missed direct debits are not logged with the ICB, but if that missed direct debit was for a loan.... depends on what way you look at it.

    If it's for say eircom, esb etc, that would not be logged with the ICB.

    It's only credit accounts eg: loans, credit cards, car finance accounts etc etc that are logged with the ICB, assuming of course that the creditor is a member:)


  • #3
    Jayball09
    Registered Users, Registered Users 2 Posts: 62 ✭✭Jayball09


    Thanks mate.


  • #4
    hfallada
    Closed Accounts Posts: 4,180 ✭✭✭hfallada


    You can buy your credit rating from ICB for €6 if you want to check


  • #5
    Trond
    Registered Users, Registered Users 2 Posts: 1,972 ✭✭✭Trond


    Sorry to piggyback on this thread...

    Just wondering does anyone have any experience of changing banks twice in a short period of time? I changed banks about 2 months ago but Im not very happy with the new one and am considering moving again.

    Would there be any negatives for me in terms of my credit history ? Im hoping to apply for a mortgage within the next 6-12months....


  • #6
    JTMan
    Registered Users, Registered Users 2 Posts: 5,558 ✭✭✭JTMan


    You can switch as many times as you like.

    There will be no credit blackmark for switching twice.


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