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Credit history

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  • 06-06-2013 12:53pm
    #1
    Seanachai
    Registered Users Posts: 2,540 ✭✭✭


    Do late utility and hospital bill payments show up on credit history and are they likely to affect your ability to get a loan?.


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    #2
    chris85
    Registered Users Posts: 4,502 ✭✭✭chris85


    Seanachai wrote: »
    Do late utility and hospital bill payments show up on credit history and are they likely to affect your ability to get a loan?.

    No they do not.

    Check www.icb.ie for banks/institutions which are members of the ICB.


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    #3
    Seanachai
    Registered Users Posts: 2,540 ✭✭✭Seanachai


    Cheers


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    #4
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    Seanachai wrote: »
    Do late utility and hospital bill payments show up on credit history and are they likely to affect your ability to get a loan?.


    Have you these set up as Direct Debits? If you had and payments bounced then they will show up on your bank statement. It's possible a bank would look to see your bank statements.


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    #5
    Seanachai
    Registered Users Posts: 2,540 ✭✭✭Seanachai


    I'm applying with 'Capital loans' , the bills weren't direct debits. I may have hit a glitch though as it may be that you can only join if you have an existing member as a guarantor , but why would they advertise publically then?.


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    #6
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    Seanachai wrote: »
    I'm applying with 'Capital loans' , the bills weren't direct debits. I may have hit a glitch though as it may be that you can only join if you have an existing member as a guarantor , but why would they advertise publically then?.

    Avoid them if you can - their interest rates are terrible. i.e. if you need to finance a new kidney then okay.


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