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Credit reference agencies

pinktoe · 2018-05-28 09:49:24

Apart from the ICB, what other credit reference agències would lenders use in Ireland. I have a perfect ICB, but got rejected for a loan by Avantcard. Credit union loans are easy for me to get and are reported to ICB and I always have a few months paid in advance but Avantcard had cheaper Apr but I got rejected. Just…

28-05-2018 10:49am

#1

pinktoe

Registered Users Posts: 223 ✭✭

Join Date: May 2018

Posts: 210

Apart from the ICB, what other credit reference agències would lenders use in Ireland.

I have a perfect ICB, but got rejected for a loan by Avantcard. Credit union loans are easy for me to get and are reported to ICB and I always have a few months paid in advance but Avantcard had cheaper Apr but I got rejected.

Just curious is there anything on me that I don't know about. I had a couple of late direct debits about 4 years ago with Aib but nothing more than a week late. Do lenders contact your bank aswell?

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#2 28-05-2018 3:04pm

hanaimai

Registered Users Posts: 207 ✭✭

Join Date: May 2018

Posts: 199

There's the new Central Credit Register - I can't link but just google it and you'll see a good explainer on the Central Bank's website. You can request a copy for free.

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