Consult a switch to your credit report
- Quantity of overdue payments, if any
- Day regarding next percentage
- Quantity of 2nd fee
When you make an application for financing, the lender need browse the Central Credit Check in if for example the loan is for €2,000 or higher.
- You have got requested a re also-design from an existing financing
- You will find arrears towards the a preexisting loan or a violation away from a limit toward a credit card otherwise overdraft
On their own, you may be needed to supply the bank consent to check on your credit report towards various other databases. Constantly, that it consent belongs to your own deal or arrangement after you very first make an application for financing, so you may perhaps not observe that you are giving consent.
Your credit score
You could potentially request your credit history free of charge at any big date (a threshold can be apply extreme totally free needs). Pick ‘Simple tips to apply’ below.
You could look at the Main Borrowing from the bank Check in website to get a hold of a sample credit report and you may reason away from conditions (pdf).
Is there a get otherwise score in your credit history?
The brand new Central Credit Check in will not rating otherwise levels credit history. The financial makes a choice in your loan application established on their own borrowing plan.
Who more have access to your credit score?
- Your get yet another mortgage
- You apply at get established loan restructured
- You’ve got arrears to the an existing loan
- You have got gone over the new limitation away from credit cards or overdraft
No-one to more, such as for example employers or landlords, can access your credit report towards the Main Borrowing from the bank Sign in in the place of your consent.
How can you learn who’s got checked out their statement?
Your credit score will show anytime a lender possess viewed your information additionally the need they did very. This really is named an excellent ‘footprint’. (more…)