• Amount of overdue repayments, or no
• Date from next percentage
• Quantity of next commission

After you submit an application for a loan, the lender must take a look at Central Borrowing from the bank Register whether your financing is for €2,000 or higher.

• You may have questioned a re-construction from a current financing
• You’ll find arrears into the a current financing or a breach off a limit to the a charge card otherwise overdraft

Independently, you will be expected to give the financial consent to check on your credit score for the some other databases. Always, that it concur is part of your price otherwise agreement when you earliest sign up for financing, so you could maybe not notice that you are giving agree.

Your credit history

You could consult your credit score complimentary any kind of time big date (a threshold could be apply too-much 100 % free demands). See ‘How exactly to apply’ below.

You could go to the Central Borrowing Register web site to https://installmentloansgroup.com/payday-loans-ct/ see an example credit report and you can factor away from terms (pdf).

Can there be a score otherwise score on your own credit file?

Brand new Main Borrowing Register does not score or grade credit reports. Your lender could make a decision on the application for the loan situated by themselves credit policy.

Who more have access to your credit score?

• Your make an application for another mortgage
• Your apply at have your existing financing restructured
• You really have arrears into a preexisting financing
• You really have reviewed the new maximum regarding credit cards or overdraft

No-one more, such as for example companies or landlords, can access your credit report toward Central Borrowing from the bank Check in as opposed to your own concur.

How can you discover who has got looked at your declaration?

Your credit score will show each time a lender have viewed your information in addition to need it did therefore. This is called a great ‘footprint’. It means that you will see who has checked-out your own credit history while.

If you were to think discover incorrect, unfinished otherwise away-of-date guidance on your credit history, you have got a straight to apply at their lender in addition to Central Financial in order to amend all the information held toward Main Borrowing Register.

You can get details in the Central Bank’s factsheet Just how to request an amendment so you can information on my personal credit report (pdf).

If you believe you’ve been impersonated from the someone else, you have the right to set a notification out-of suspected impersonation in your report.

Incorporate an announcement on credit history

You’ll add a personal declaration to the credit list so you’re able to describe it. It is called an enthusiastic ‘explanatory statement’.

Including, when you have got tall costs due to matchmaking breakdown, bereavement, disease or other end in, it’s also possible to incorporate these details on the list.

The fresh statement should be informative, strongly related to every piece of information on the credit file, and you will less than two hundred terms. It should perhaps not consist of suggestions that’ll identify someone (such as for instance their name or workplace).

The new declaration is added to your credit report and it will be considered when your data is utilized. However, lenders needn’t bring your report under consideration whenever assessing you for a financial loan.

Into the , the 5 merchandising financial institutions (AIB, Financial from Ireland, KBC, Permanent tsb and you can Ulster Lender), with regards to affiliate system brand new Financial & Money Federation Ireland (BPFI), announced some methods to help with anybody and you can people influenced by the COVID-19. The new measures integrated non-financial lenders and you can borrowing-upkeep agencies.

In procedures, up to , lenders you can expect to grant an installment split as much as half a year getting companies and personal customers. If you wanted to an excellent COVID-19 payment split along with your lender: