How to Check Your Credit Rating in Ireland

In Ireland, all lenders make decisions about your suitability for credit by checking your credit rating, and most lenders use ICB (Irish Credit Bureau). Its the central agency that retains individual details for existing and paid-off credit. Under the Data Protection Act 1988, as amended by the Data Protection (Amendment) Act 2003, you are entitled to get a copy of any information stored by ICB. Its important to regularly assess your credit rating. Check for errors and look for ways to improve your rating. Apply online or by mail, or call ICB. Reports cost EUR 6.00.

Instructions

1

Apply online to check your credit rating. Its simple and fast. Your application will be processed once the online application is submitted to ICB. Go to the ICB website (see Resources). Complete the application form accurately. Supply previous addresses. Tick the box to accept the terms and conditions. Click Payment Details. Provide your credit or debit card details. Click Confirmation. Check your details carefully. Errors will delay the application process. Click Finish. Take a note of your reference number. You will need this should you have to contact the bureau. Your report will be mailed to you in about four days.

2

Apply by mail to check your credit rating. Go to the ICB website to download an application form (see Resources). Click Download. Print the application form. Complete and sign the application form. Enclose a bank draft or postal order to the value of EUR 6.00. Mail to: ICB, ICB House, Newstead, Clonskeagh Road, Dublin 14, Ireland. Your report will be mailed to you about four days after ICB receives your application form.

3

Call ICB at 00-353-1-2600388 to get an application form mailed to you. Complete and sign the application form. Enclose a postal order or bank draft for EUR 6.00 and mail to: ICB, ICB House, Newstead, Clonskeagh Road, Dublin 14, Ireland. It takes about four days to get your report once ICB receives it.