you will need to wait until you are over 5 years on the Irish Credit Bureau -
you will need to wait until you are over 5 years on the Irish Credit Bureau -
" When the loan is completed or when it reaches a frozen state, i.e. when it is Written Off, this means that the 5-year retention term clock starts ticking. In other words, regardless of what the customer’s performance on the loan was like, once the loan is terminated in its current state - it will then stay on the ICB Database for 5 years from that date."
Does this mean that if I have missed a payment in the first year of a 5 year loan , that missed payment is still on my file 5 years from the end of the loan ( 9 years in total )
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