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Bad Credit in Irish Credit Bureau (ICB)

  • 29-12-2021 9:06pm
    #1
    Maxhollohan
    Registered Users, Registered Users 2 Posts: 1 ✭


    I am planning to get mortgage loan next year 2022. I have a bad credit history in my credit union. Missed 6 months payment unnoticed due to a very busy daily tasks. Received letter from credit union and was informed myself that my bad credit history was already forwarded in ICB and will impacted my future credit application. I don't know what to do. I can settle the 6 months in arrears but wish to clear my bad credit history in ICB. Need badly your great advice....Cheers!



Comments

  • #2
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,686 ✭✭✭✭Atlantic Dawn
    M


    What's done is done, my advice would to clear up all missed payments as soon as possible, then hope for the best. Do not apply for a mortgage with payments outstanding. The record for each loan stays on file for 5 years after the final payment is made on it.

    https://www.citizensinformation.ie/en/money_and_tax/personal_finance/loans_and_credit/your_credit_history.html



  • #3
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    https://www.boards.ie/discussion/2058224901/bad-credit-in-irish-credit-bureau-icb

    Hi Maxhollohan,

    Thanks for contacting us here on Boards.ie.

    In this instance it would be best to first contact your Credit Union to discuss further and arrange a payment plan with them. If you would like to speak with one of our Mortgage Specialists (0818200247) they can offer some guidance on steps you can take to support a mortgage application.

    You can also get free confidential and independent debt managing advice from your local Money Advice & Budgeting Service (MABS) office. Telephone: 0818 072 000 www.mabs.ie

    Thanks

    Tara



  • #4
    Tara1975
    Registered Users, Registered Users 2 Posts: 11 ✭Tara1975


    i AM IN THE SAME BOAT.

    BAD CREDIT RATING FROM CCR - DUE TO CREDIT CARD

    i NEVER RECEIVED

    NEVER USED

    DEBT RELATES TO INTEREST ON GOVERMENT LEVY.

    REQUESTED AMENDMENT TO THIS - UP TO VENDOR

    CONTACT VENDOR TO REMOVE - NO JOY

    REPORTED THEM TO THE OMBUDSMAN - WAITING ON UP DATE

    €100.00 - MAKES A DIFF ON COUPLE OF HUNDRED GRAND.



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