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

Credit rating

  • 28-06-2017 4:43pm
    #1
    Bluefoam
    Registered Users, Registered Users 2 Posts: 7,754 ✭✭✭


    Hi,
    Just spoke to a mortgage adviser and they suggested I get a credit check... A quick Google only shows private firms. I was led to believe that there was a new government site to allow me to apply for a credit check...

    Can anyone point me in the right direction?


Comments

  • #2
    wordofwarning
    Closed Accounts Posts: 697 ✭✭✭wordofwarning


    icb.ie is the site to check your credit rating. You fill out an online form with all your previous addresses and within a few days they the report to you.

    If you have not had a loan in the last 5 years, you will not have a credit rating


  • #3
    Bluefoam
    Registered Users, Registered Users 2 Posts: 7,754 ✭✭✭Bluefoam


    wordofwarning wrote: »
    icb.ie is the site to check your credit rating. You fill out an online form with all your previous addresses and within a few days they the report to you.

    If you have not had a loan in the last 5 years, you will not have a credit rating

    Thanks, I presume not having a credit rating is a good thing...


  • #4
    phormium
    Registered Users, Registered Users 2 Posts: 3,395 ✭✭✭phormium


    Not necessarily, sometimes a lender prefers to see that you have borrowed and paid it back in the correct manner than not to have borrowed at all.


  • #5
    wordofwarning
    Closed Accounts Posts: 697 ✭✭✭wordofwarning


    Bluefoam wrote: »
    Thanks, I presume not having a credit rating is a good thing...

    It is and it isnt. A lender likes to see that you have a history of paying back a loan. Each bank is different. It shows good discipline if you have paid your credit card religiously each month for 5 years


Advertisement