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No credit rating? Will I get a loan?

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  • 27-01-2007 9:39pm
    #1
    Elessar
    Registered Users Posts: 5,250 ✭✭✭


    I am going to apply for a loan hopefully soon. I have never got one before, so I am thinking, will I be likely to get one seeing as my credit rating with the ICB will show no loans taken out?

    I assume since I have no loans previously that I will have a zero rating? Does the ICB show any other details like employment/earnings?

    I am hoping to get €10,000 and I am in full time employment, male 21 years old. Am I likely to get that amount considering my credit report?


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    #2
    Ruu_Old
    Closed Accounts Posts: 36,634 ✭✭✭✭Ruu_Old


    Do you have a credit card? They are reported to the credit bureaus.


  • Options
    #3
    Elessar
    Registered Users Posts: 5,250 ✭✭✭Elessar


    Yes I do, I have bought many expensive things with it since I got it two years ago but ALWAYS paid off the balance in full each month.


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    #4
    Ruu_Old
    Closed Accounts Posts: 36,634 ✭✭✭✭Ruu_Old


    Well thats something that should be looked highly upon and give you some sort of credit score, 2 years of history with that. Not sure if household bills are reported (I am thinking not). Can't think of much else apart from a mortgage. Grab a copy of your credit report at icb.ie, it costs 6 euro I think. Just to make sure there are no errors in it, always good to know who has been making enquiries and that sort of thing.


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    #5
    BuffyBot
    Registered Users Posts: 24,924 ✭✭✭✭BuffyBot


    You then have a credit history. Loans aren't the only thing which go on it :)


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