Hi everyone,
I am on a fairly decent income, no credit cards, no debt at all and am in pretty good shape financially. I am not a home owner.
Basically, I am looking for a loan now and have been for the past month. NO ONE will give me one.
I ordered a copy of my ICB report and it shows that I missed two payments 3 years ago. This was a result of me breaking my back and not being able to work (understandably). Obviously this is the cause of my "poor" credit score as it is the only thing mentioned on my report. It was a BOI term loan. I got caught up and actually paid off the loan 2 years early.
My question is this: Is there any way for me to have those two "black marks" removed from my report by bank of Ireland somehow if I explained the situation? I know I can add a note to the entries on the ICB but the marks are still there.
The two marks in my entire history seem relatively benign to me but apparently not. I cannot get a credit card, the likes of Blue Cube wont give me a loan (€12000) and even halifax wont give me a CURRENT ACCOUNT so I can get a debit card.
I thought there must have been a mistake on my ICB report or something but those two are my only arrears.
Can anyone provide any insight? Does my inability to get credit (or even a current account) strike anyone else as strange?
I am on a fairly decent income, no credit cards, no debt at all and am in pretty good shape financially. I am not a home owner.
Basically, I am looking for a loan now and have been for the past month. NO ONE will give me one.
I ordered a copy of my ICB report and it shows that I missed two payments 3 years ago. This was a result of me breaking my back and not being able to work (understandably). Obviously this is the cause of my "poor" credit score as it is the only thing mentioned on my report. It was a BOI term loan. I got caught up and actually paid off the loan 2 years early.
My question is this: Is there any way for me to have those two "black marks" removed from my report by bank of Ireland somehow if I explained the situation? I know I can add a note to the entries on the ICB but the marks are still there.
The two marks in my entire history seem relatively benign to me but apparently not. I cannot get a credit card, the likes of Blue Cube wont give me a loan (€12000) and even halifax wont give me a CURRENT ACCOUNT so I can get a debit card.
I thought there must have been a mistake on my ICB report or something but those two are my only arrears.
Can anyone provide any insight? Does my inability to get credit (or even a current account) strike anyone else as strange?