Hi Rolleregg,
I'm in a very similar situation and feel your pain! I've just applied for a mortgage with BOI with my husband who has a perfect credit rating,
Anyway - I ordered an ICB report as to see did my loan & credit card from my early 20s show anything....it showed that I had loans, but no details on the late payments as -
The ICB report only show repayment history for the last 24 months, so, any late repayments that you had wont show if they were outside of the last two years.
If the loans do show up on the report it will purely show that they are now paid off with no balance outstanding.
Hope that puts your mind at ease - I know it's a stressful time!