Request a change to your credit score

  • Level of overdue money, if any
  • Day away from 2nd payment
  • Quantity of 2nd percentage

Once you sign up for that loan, the lender have to take a look at Main Credit Register if for example the financing is actually for €2,one hundred thousand or maybe more.


  • You have got requested a lso are-framework out-of a current financing
  • There are arrears towards the an existing loan otherwise a violation out-of a threshold toward a credit card or overdraft

Individually, you might be necessary to provide the lender consent to evaluate your credit score into the several other databases. Usually, which concur is part of the price otherwise agreement when you basic apply for that loan, so you might maybe not notice that you are giving agree.

Your credit score

You could potentially request your credit score free of charge any kind of time time (a threshold may be put-on continuously totally free requests). Discover ‘Just how to apply’ lower than.

You can look at the Main Borrowing from the bank Sign in website to come across an example credit file and you will reason of terminology (pdf).

Will there be a rating or get on your own credit file?

The brand new Main Borrowing from the bank Sign in does not score or stages credit file. The financial makes a choice on your application for the loan established by themselves credit plan.

Exactly who more can access your credit report?

  • Your apply for another type of loan
  • Your connect with have your present financing restructured
  • You may have arrears towards a current loan
  • You have got gone over the fresh limitation out-of a charge card or overdraft

No-you to else, instance employers or landlords, can access your credit history on the Main Credit Register instead of the consent.

How will you know who has got checked out the report?

Your credit report will teach whenever a lender have viewed your data additionally the reason it performed thus. This is certainly titled a great ‘footprint’. It indicates you will know who has got examined the credit report of course.

If you think there was incorrect, partial or aside-of-day information in your credit report, you have a right to apply to their lender in addition to Central Financial to help you amend all the information stored towards Main Credit Check in.

You should buy considerably more details regarding Main Bank’s factsheet How to request an amendment to information on my credit report (pdf).

If you feel you have been impersonated by the another individual, there is the to set a notice from guessed impersonation on the statement.

Create an announcement toward credit report

You can create your own statement with the credit list to help you describe they. This might be called a keen ‘explanatory statement’.

Particularly, when you yourself have had high costs due to relationships malfunction, bereavement, illness or some other end up in, it’s also possible to create these records to your number.

The fresh new statement have to be informative, relevant to all the details on the credit report, and you can below two hundred terms and conditions. It should not include recommendations which will choose someone else (including the title otherwise workplace).

The new declaration was added to your credit score and it can be looked at whether your data is accessed. Although not, loan providers will not need to bring your report into consideration whenever determining your for a loan.

Into the , the 5 shopping banks (AIB, Bank from Ireland, KBC, Permanent tsb and Ulster Financial), with their affiliate human body new Banking & Money Federation Ireland (BPFI), revealed a number of methods to help with someone and you can businesses inspired from the COVID-19. Brand new steps incorporated non-lender mortgage lenders and you may borrowing from the bank-maintenance firms.

In procedures, around , loan providers you will definitely give a repayment break of up to 6 months to possess people and private customers. If you agreed to a good COVID-19 payment break along with your bank: