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Credit rating

  • 28-06-2017 5:43pm
    #1
    Bluefoam
    Registered Users, Registered Users 2 Posts: 7,743 ✭✭✭


    Hi,
    Just spoke to a mortgage adviser and they suggested I get a credit check... A quick Google only shows private firms. I was led to believe that there was a new government site to allow me to apply for a credit check...

    Can anyone point me in the right direction?


Comments

  • #2
    wordofwarning
    Closed Accounts Posts: 697 ✭✭✭wordofwarning


    icb.ie is the site to check your credit rating. You fill out an online form with all your previous addresses and within a few days they the report to you.

    If you have not had a loan in the last 5 years, you will not have a credit rating


  • #3
    Bluefoam
    Registered Users, Registered Users 2 Posts: 7,743 ✭✭✭Bluefoam


    wordofwarning wrote: »
    icb.ie is the site to check your credit rating. You fill out an online form with all your previous addresses and within a few days they the report to you.

    If you have not had a loan in the last 5 years, you will not have a credit rating

    Thanks, I presume not having a credit rating is a good thing...


  • #4
    phormium
    Registered Users, Registered Users 2 Posts: 3,345 ✭✭✭phormium


    Not necessarily, sometimes a lender prefers to see that you have borrowed and paid it back in the correct manner than not to have borrowed at all.


  • #5
    wordofwarning
    Closed Accounts Posts: 697 ✭✭✭wordofwarning


    Bluefoam wrote: »
    Thanks, I presume not having a credit rating is a good thing...

    It is and it isnt. A lender likes to see that you have a history of paying back a loan. Each bank is different. It shows good discipline if you have paid your credit card religiously each month for 5 years


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