Credit Rating Error

I was recently refused a bank loan because I have a poor credit rating. I was quite surprised so I took up a copy of my credit rating report. It suggested that my payments on another loan were not paid. This is incorrect. How do I arrange for my credit rating to be corrected?

The Irish Credit Bureau cannot change your credit report unless a lender requests it to be amended. This request must be in writing.

By law, financial institutions must ensure that information they hold or give to anyone else about you is correct and up to date. Accordingly, you may insist that they correct any inaccurate information about you.

If your bank made a mistake, you should write to your bank and ask them to write to the Irish Credit Bureau with details of the amendment required. You should also ask for a copy of this letter.

If your bank genuinely made an error, they should immediately correct any mistake and amend your credit report without delay. In the event that your bank delays or refuses to correct matters for you, you should consider making a formal complaint by referring the matter to the Office of the Data Protection Commissioner.

If your bank did not make an error and your credit rating report is correct they may not change or remove unfavourable details from your report. All lenders must provide an honest and truthful report of your loan repayment history.

Locations

ATHLONE

Oak House,
39-41 Mardyke Street,
Athlone,
Co. Westmeath
N37 TA44

Tel: (090) 647 8433
Email: info@bccsolicitors.ie

GALWAY

9 Gray Office Park,
Galway Retail Park,
Headford Road,
Galway City
H91 WC1P

Tel: (091) 511 421
Email: info@bccsolicitors.ie

DUBLIN

24–26
Upper Ormond Quay,
Dublin 7

Tel: (090) 647 8433
Email: info@bccsolicitors.ie

MOATE

Main Street,
Moate,
Co. Westmeath
N37 EW70

Tel: (090) 648 2090
Email: info@bccsolicitors.ie

LANESBOROUGH

Main Street,
Lanesborough,
Co. Longford
N39 C8Y7

Tel: (043) 332 1200
Email: info@bccsolicitors.ie

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