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Tiny negative balance and my credit rating

  • 01-05-2019 10:35am
    #1
    wylo
    Registered Users, Registered Users 2 Posts: 2,214 ✭✭✭


    Hi,

    I am in the process of getting a mortgage and I have an account which I don’t even use anymore. However €4 was being taken out every month as standard charge.

    Come January this went into negative. It is now at -€14 from €4 being withdrawn every month. I will lodge €20 today.

    I know this is a tiny figure but is there any reason this information would be sent to ICB?

    I’ll be honest I am kind of sweating about it as I used this account in the past for a brief spell of gambling more than 6 months ago. I lost interest and completely forgot about it. It’s been pretty much at 0 since, I withdrew my earnings from it. So I really didn’t want this account appearing anywhere as far as anyone was concerned. And please don’t judge it was just silly bets etc and it fizzled out after a while.

    Should I be worried?


Comments

  • #2
    advertsfox
    Registered Users, Registered Users 2 Posts: 2,699 ✭✭✭advertsfox


    Get your free credit check reports and see - I don't think it would have been sent to it for a brief time being overdrawn (it's more about loans, credit cards etc.).

    https://www.myrequest.centralcreditregister.ie/

    https://secure.icb.ie/cr_personal.jsp?js=true


  • #3
    wylo
    Registered Users, Registered Users 2 Posts: 2,214 ✭✭✭wylo


    thanks, tbh its a bit late now as I have everything submitted anyway so there's nothing I can do about it, its really just piece of mind I was looking for. I thought maybe 3/4 months would be considered a while, I never got any letters in relation to it though and there are no loans or anything on it.

    I did get a credit report before and I was pretty underwhelmed with what appears on it alright, it was literally just a list of credit union loan repayments, no score, etc.

    But really, I just don't want this bank appearing anywhere. At worst if it does get spotted. the last 6 months have nothing on it but some normal shopping POS stuff, but if they ask for more than 6 months I am in trouble.


  • #4
    3DataModem
    Registered Users, Registered Users 2 Posts: 4,077 ✭✭✭3DataModem


    wylo wrote: »
    thanks, tbh its a bit late now as I have everything submitted anyway so there's nothing I can do about it, its really just piece of mind I was looking for. I thought maybe 3/4 months would be considered a while, I never got any letters in relation to it though and there are no loans or anything on it.

    I did get a credit report before and I was pretty underwhelmed with what appears on it alright, it was literally just a list of credit union loan repayments, no score, etc.

    But really, I just don't want this bank appearing anywhere. At worst if it does get spotted. the last 6 months have nothing on it but some normal shopping POS stuff, but if they ask for more than 6 months I am in trouble.

    Overdrafts due to fees are not treated like normal overdrafts by most banks. I suspect it will not have been reported.


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