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ICB Report Scheduled Removal Date 2023

  • 25-03-2021 12:06pm
    #1
    flushje
    Registered Users, Registered Users 2 Posts: 803 ✭✭✭


    Hi Guys

    Im very worried. I got my credit report and I had a bad debt which I paid in full in 2018. The removal date on my report is Aug 2023.

    Will I be completely refused a mortgage until this date?


Comments

  • #2
    Dream123
    Registered Users, Registered Users 2 Posts: 37 ✭Dream123


    Given you have paid off the debt in full I expect several banks would consider you eligible for a mortgage based on your more recent circumstances (current income /. Savings etc) , but it will probably be a bit more hassle than is normally the case - best to have a closing statement for the loan handy when applying.

    Also worth checking your Central Credit Register profile (central credit register.ie) - banks are increasingly using this instead of the ICB


  • #3
    Soul Soeur
    Registered Users, Registered Users 2 Posts: 26 ✭Soul Soeur


    flushje wrote: »
    Hi Guys

    Im very worried. I got my credit report and I had a bad debt which I paid in full in 2018. The removal date on my report is Aug 2023.

    Will I be completely refused a mortgage until this date?

    We're in a similar situation, did you hear anything back yet? Thanks!


  • #4
    Lcampbell
    Registered Users, Registered Users 2 Posts: 7 ✭Lcampbell


    Any update from anyone


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