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Mortgage Advice

  • 13-07-2020 5:49pm
    #1
    Choco_buttons
    Registered Users, Registered Users 2 Posts: 2 ✭


    I've moved home from abroad a year ago and I'm applying for a mortgage now. However, I heard banks request credit reports from past countries of residence, stupidly I have a 800 dollar TV bill that I didn't pay, apart from this my credit score is okay.

    Otherwise, I have a strong application. Could this be a blocker?


Comments

  • #2
    jimmycrackcorm
    Registered Users, Registered Users 2 Posts: 14,378 ✭✭✭✭jimmycrackcorm


    How will they know you have been living abroad over a year ago? They only ask for something like the it six months back and salary details.


  • #3
    Choco_buttons
    Registered Users, Registered Users 2 Posts: 2 ✭Choco_buttons


    jimmycrackcorm wrote: »
    How will they know you have been living abroad over a year ago? They only ask for something like the it six months back and salary details.


    Fair point, I don't know how they would know tbf, but for my current application I stated that I had been living abroad. Maybe I shouldnt of....


  • #4
    This is it
    Registered Users, Registered Users 2 Posts: 5,874 ✭✭✭This is it


    Does it show on your credit report?

    http://www.icb.ie/cr_options.php


  • #5
    wassie
    Registered Users, Registered Users 2 Posts: 3,794 ✭✭✭wassie


    If the source of funds for deposit is still overseas or was earned over there then they may will also require a credit check from the country.

    What particular country was it?


  • #6
    Speak Now
    Registered Users, Registered Users 2 Posts: 8,729 ✭✭✭Speak Now


    Is paying the bill an option or is it distance past? Is it worth the risk if the mortgage is what you really want?


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