Request a switch to your credit report

Request a switch to your credit report

  • Amount of overdue money, if any
  • Date from 2nd fee
  • Number of 2nd percentage

After you get that loan, the financial institution need certainly to check the Main Borrowing from the bank Register if your mortgage is for €2,100000 or higher.

  • You may have expected a re-construction away from a current financing
  • Discover arrears towards the a current mortgage otherwise a breach away from a threshold towards the a credit card or overdraft

By themselves, you may be required to provide the financial permission to evaluate your credit report towards various other database. Usually, that it consent is part of your price otherwise contract after you first apply for financing, so you may maybe not see that you’re giving consent.

Your credit report

You could potentially request your credit report free any kind of time date (a limit tends to be put-on too much totally free desires). Find ‘Simple tips to apply’ less than.

You can go to the Central Credit Register web site to see a sample credit file and reasons of terms (pdf).

Will there be a get or get on your credit report?

The Central Borrowing Sign in will not score or level credit file. Their lender could make a choice on your loan application depending on their own borrowing plan.

Just who otherwise can access your credit history?

  • You apply for an alternate mortgage
  • Your affect have your current financing restructured
  • You have got arrears towards the a current loan
  • You’ve got gone over the fresh limitation off a charge card otherwise overdraft

No-you to definitely more, such as for instance employers or landlords, have access to your credit history on Central Credit Register as opposed to the agree.

How will you know who has got looked at the declaration?

Your credit report will teach each time a lender has actually seen your information as well as the need they did very. This might be entitled an effective ‘footprint’. It means that you’ll see that checked-out your credit history if in case.

If you feel there is inaccurate, partial or out-of-date information on your own credit report, you’ve got a directly to apply to your own bank and the Main Lender so you’re able to amend all the details kept to your Main Borrowing Register.

You should buy much more information throughout the Main Bank’s factsheet Exactly how in order to request an amendment to help you information regarding my credit report (pdf).

If you were to think you’ve been impersonated by someone, there is the to place a notice off suspected impersonation on your own report.

Incorporate a statement towards credit report

You are able to include your own statement into the borrowing from the bank number so you’re able to explain they. This is exactly known as a keen ‘explanatory statement’.

Such as for instance, when you have got extreme costs because of relationship breakdown, bereavement, problems or some other produce, you can even put these details towards the record.

The statement have to be factual, relevant to all the information on the credit history, and you will significantly less than two hundred conditions. It should not consist of recommendations that will pick another individual (eg the name or office).

The new report is actually placed into your credit history and it may be viewed when your info is accessed. Yet not, lenders need not take your report under consideration whenever assessing your for a financial loan.

With the , the 5 merchandising financial institutions (AIB, Financial out of Ireland, KBC, Long lasting tsb and you can Ulster Lender), through its member muscles brand new Banking & Payments Federation Ireland (BPFI), announced a few procedures to help with people and you can enterprises impacted by COVID-19. This new procedures provided low-financial mortgage lenders and you will borrowing from the bank-upkeep businesses.

According to the actions, around , loan providers you certainly will grant a repayment split of up to half a year to have enterprises and private customers. For those who wanted to a good COVID-19 commission split with your financial: