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Credit rating

  • 15-02-2018 6:25pm
    #1
    info13
    Registered Users, Registered Users 2 Posts: 173 ✭✭


    Hi folks just a simple question here (I think)

    But basically I had a loan a few years ago which I was young stupid and messed up on payments leaving a scar on my credit report.

    Basically the removal date is January 2019! I’m in a much better position now salary, work, savings and really just learned how to budget inside means and of course all that bit older (hopefully wiser)

    My question is come January 2019 does it mean I don’t have a bad credit history in terms of looking at a mortgage? Or am I basically doomed!! :(


Comments

  • #2
    Darren 83
    Registered Users, Registered Users 2 Posts: 1,685 ✭✭✭Darren 83


    info13 wrote: »
    Hi folks just a simple question here (I think)

    But basically I had a loan a few years ago which I was young stupid and messed up on payments leaving a scar on my credit report.

    Basically the removal date is January 2019! I’m in a much better position now salary, work, savings and really just learned how to budget inside means and of course all that bit older (hopefully wiser)

    My question is come January 2019 does it mean I don’t have a bad credit history in terms of looking at a mortgage? Or am I basically

    It will show on credit report for 5 years after it has been cleared.


  • #3
    info13
    Registered Users, Registered Users 2 Posts: 173 ✭✭info13


    Darren 83 wrote: »
    info13 wrote: »
    It will show on credit report for 5 years after it has been cleared.

    So January 2019 I should be able to apply without any stop signs from that side of things?


  • #4
    Darren 83
    Registered Users, Registered Users 2 Posts: 1,685 ✭✭✭Darren 83


    It should be clear then, but just to be safe before you start the mortgage appcalition I'd order your Credit Report and have a look at it.


  • #5
    info13
    Registered Users, Registered Users 2 Posts: 173 ✭✭info13


    Darren 83 wrote: »
    It should be clear then, but just to be safe before you start the mortgage appcalition I'd order your Credit Report and have a look at it.

    Thanks ðŸ‘ðŸ»Here’s hoping now finally ðŸ˜


  • #6
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    Just be aware that the record will stay on the Financial Institution that lent to you in the first place so would avoid if applying for a mortgage.
    Darren 83 wrote: »
    It should be clear then, but just to be safe before you start the mortgage appcalition I'd order your Credit Report and have a look at it.


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  • #7
    shamrock55
    Registered Users, Registered Users 2 Posts: 7,247 ✭✭✭shamrock55


    Sorry,I didn't want to open another credit rating forum,anyway I just received my credit report and looks good with all payments I owe to different laces are all up to date and no missed payments,thing is it doesn't show CBS score on it which is what I wanted to know.
    Does anyone know how I can get this score,thanks


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