- Amount of delinquent repayments, if any
- Day from second percentage
- Level of next percentage
When you make an application for financing, the lender need read the Central Borrowing from the bank Check in in case the loan is for €dos,100 or maybe more.
- You have got questioned a lso are-design out of a current mortgage
- There are arrears towards a current loan payday loans bad credit or a violation from a threshold towards the a credit card or overdraft
Separately, you happen to be necessary to give the financial consent to evaluate your credit score to the another databases. Always, which consent is part of your own offer otherwise contract once you basic make an application for a loan, so you may maybe not notice that you’re offering agree.
Your credit score
You could consult your credit history cost-free any kind of time time (a threshold is generally apply an excessive amount of 100 % free requests). Come across ‘Ideas on how to apply’ lower than.
You can check out the Main Borrowing Check in web site to see an example credit report and you will explanation of words (pdf).
Can there be a get otherwise score on your own credit report?
The brand new Central Borrowing Register will not rating or level credit history. The financial makes a decision on your own loan application depending themselves borrowing from the bank rules.
Exactly who else have access to your credit score?
- Your make an application for a different sort of loan
- You apply to get present financing restructured
- You may have arrears for the an existing financing
- You’ve got reviewed the brand new restriction away from a charge card or overdraft
No-you to definitely more, such as for instance employers otherwise landlords, can access your credit score on Central Borrowing Register instead of the agree.
How do you discover who has checked your report?
Your credit report will teach each time a lender has actually viewed your information and the reason they did therefore. This is entitled good ‘footprint’. It means you will understand that has checked-out your credit file and if.
If you believe there was inaccurate, partial otherwise away-of-day advice in your credit report, you’ve got a straight to apply at the lender plus the Main Bank so you’re able to amend the information held for the Central Borrowing Register.
You can get facts on the Main Bank’s factsheet How so you can demand a modification to help you information about my credit report (pdf).
If you believe you’ve been impersonated of the someone else, there is the to lay an alerts out of thought impersonation on your own report.
Incorporate an announcement toward credit history
You are able to create an individual declaration toward borrowing from the bank record to explain it. This really is called an ‘explanatory statement’.
Such as for instance, for those who have had high expenditures because of relationships description, bereavement, problems or another trigger, you can even create this info towards the listing.
The new report must be informative, relevant to every piece of information on the credit file, and lower than 2 hundred conditions. It should perhaps not incorporate suggestions that’ll select someone (like its title otherwise work environment).
The new declaration is added to your credit score also it can be regarded as if for example the information is utilized. Although not, lenders do not have to bring your declaration into account when examining you for a loan.
On , the five retail banking companies (AIB, Financial out of Ireland, KBC, Permanent tsb and you can Ulster Lender), employing member system the brand new Financial & Money Federation Ireland (BPFI), revealed a number of methods to support individuals and you may businesses affected of the COVID-19. The newest measures provided non-lender mortgage lenders and you can credit-upkeep agencies.
Under the measures, as much as , loan providers you are going to offer a payment break as high as half a year having people and personal users. For individuals who accessible to an effective COVID-19 fee split together with your bank: