Before you apply if you are applying for an overdraft, mortgage, credit card or other type of loan, it is a good idea to check your credit report. It will also help you spot any payments that are missed didn’t realize had been missed, or errors in your credit file.
Notably, you will get information that is incorrect. You might also need the proper to incorporate a declaration to your credit history to spell out any special situation вЂ“ see вЂRulesвЂ™ below.
Your credit history will show each right time a lender has seen your details additionally the explanation they did so. This can be known as a вЂfootprintвЂ™ (Central Credit join report) or вЂhistory of enquiriesвЂ™ (ICB report). It indicates you will understand that has viewed your credit history when.
Every loan provider must make provision for you with information on any credit guide agency this has utilized whenever evaluating the application for the loan.
Demand a noticeable modification to your credit history
Exactly what do you will do if you have wrong info on your credit file?
You’ve got the right beneath the General Data Protection Directive (GDPR) to get into the records held about you by credit reporting agencies also to have incorrect information rectified. You can appeal to the Data Protection Commission if you are not satisfied with how your request is handled.
Central Credit Enter
If you were to think there was inaccurate, incomplete or out-of-date information in your credit file, you have actually the right to put on to your loan provider while the Central Bank to amend the information and knowledge held in the Central Credit enroll.
You may get more info into the Central BankвЂ™s factsheet just how to request an amendment to info on my credit file.
Irish Credit Bureau
Them to forward the correct information to the ICB if you want to have inaccurate information on your credit record amended, contact the lender concerned and ask.