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Credit report

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  • 04-05-2023 4:41pm
    #1
    Lukas1502
    Registered Users Posts: 13 ✭


    Screenshot_20230503_173915.jpg

    Hi guys,

    I'm looking for a little bit of advice. Planning to apply for mortgage so I've decided to check my credit history. Attached is showing my credit card history. I'm wondering what is that 0 next to Feb 2022 and Dec 2020 mean. Could it be late payment as I think, I was late once or twice paying it off by few days. In general looking at it is bad credit history?

    TIA



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    #2
    G_R
    Moderators, Education Moderators Posts: 5,025 Mod ✭✭✭✭G_R


    https://www.boards.ie/discussion/2058295198/credit-report

    It's fine it means 0 payments in arrears.

    The bank can submit 0 or blank, the blanks will show as a -.

    You need to be more than one full month in arrears before it will be reported to the CCR.

    Late payments don't show on the CCR.



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