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ICB Credit Report Result

  • 19-09-2018 8:44am
    #1
    ShaShaBear
    Registered Users, Registered Users 2 Posts: 5,528 ✭✭✭


    Applied for my ICB report the other day to get a look at it and I just got a letter back with "No accounts found for you in ICB database". Anyone know for sure what this means? I rang twice and got no answer and left a message, but I'm truly confounded. I have a student overdraft and credit card with Ulster Bank that are currently behind so it absolutely shouldn't say that - I supplied every single address I've ever lived at, including the home house! :confused:


Comments

  • #2
    maximoose
    Registered Users, Registered Users 2 Posts: 9,209 ✭✭✭maximoose


    Overdrafts aren't reported to the ICB, your credit card should be there though


  • #3
    ShaShaBear
    Registered Users, Registered Users 2 Posts: 5,528 ✭✭✭ShaShaBear


    maximoose wrote: »
    Overdrafts aren't reported to the ICB, your credit card should be there though

    I would have thought so myself! Hopefully they can clarify - I am engaging with Ulster Bank anyway but I did think it was a little odd that nothing was mentioned on the report - it is not a fresh debt by any means!


  • #4
    Yggr of Asgard
    Registered Users, Registered Users 2 Posts: 5,259 ✭✭✭Yggr of Asgard


    If your limit on the card or overdraft is over 500€ you should be more concerned about the CCR which will have the record and which other lenders now need to query.

    ICB is voluntary for a lender, CCR not.


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