Как изменить кредитную историю: 12 лучших способов 2020 года

Как сделать себе хорошую кредитную историю с нуля — способы как открыть КИ, если её нет

В современных реалиях кредитные истории граждан занимают отдельную нишу, влияющую на все сферы жизни. Поэтому к факту создания кредитного досье эксперты советуют относиться со всей серьезностью, придерживаясь поговорки о том, что необходимо “честь беречь смолоду”. Как создать кредитную историю и не испортить ее в один момент — расскажем.

Зачем нужна кредитная история?

Кредитная история представляет собой систематизированные сведения, касающиеся взаимодействия заемщика с финансовой системой РФ. В этом документе отражаются факты исполнения заемщиком кредитных обязательств, с подробным анализом сумм, сроков, просрочек и задолженностей, претензий со стороны судебной системы:

• Хорошая кредитная история создает ее владельцу положительную деловую репутацию. Банки таким клиентам выдают кредиты, не опасаясь рисков невозврата.
• Плохая кредитная история может создать проблемы клиенту в сфере кредитования.
• Отсутствие кредитной истории считается самым неблагоприятным фактором, ведь банк не имеет возможности оценить клиента.

Кто имеет доступ к кредитной истории?

Прежде всего полноправный доступ к полной кредитной истории имеется у заемщика, имя которого и паспортные данные указаны на титульном листе. Но при обращении в кредитную организацию за финансовой помощью, заемщик может предоставить письменное согласие на предоставление банку данных из БКИ.

Доступ к базе данных КИ, по разрешению владельца, также имеют:

• страховые организации, использующие информацию для оценки рисков при урегулировании убытков;
• работодатели, формирующие объективную характеристику потенциального работника.

Исполняя судебные решения, отдельные разделы из кредитного досье вправе запрашивать представители государственных органов, включая судебных приставов.

Причины отсутствия кредитной истории

Кредитная история начинается с того момента, когда конкретный заемщик подписывает договор согласия на то, чтобы:

• банк-кредитор передавал все сведения о нем в базу данных бюро кредитных историй;
• клиент имел возможность отправлять запросы и получать актуальную кредитную историю из бюро кредитных историй (в случае необходимости).

Понятно, что, если гражданин в силу достаточных собственных финансовых ресурсов, отсутствия необходимости или по незнанию никогда не обращался в кредитные организации за услугами кредитования. У него будет отсутствовать КИ ввиду отсутствия необходимых данных и событий.

Как открыть кредитную историю, если её нет?

Всегда что-то делается впервые, в том числе и кредитная история. Важно, не суетиться и не рассылать заявки одновременно во все банки.

С чего начать кредитную историю? Начинать нужно с малого, а вот вариантов существует масса.

Покупка товаров в рассрочку

Приобретите для семьи, например, новый электрический чайник, оформив у представителя банка в торговой сети рассрочку. И не спеша погашайте долг в течение срока, указанного в кредитном договоре.

Создавая кредитную историю, спешить не нужно. Чем больше положительных записей будет в КИ, тем лучше.

Микрозайм в МФО

Микрофинансовые компании работают с клиентами, не имеющими кредитной истории, страхуя риски высокими процентными ставками. Оформите краткосрочный займ в официальной МФО, верните его в льготный срок — сэкономите на процентах и откроете КИ.

Во избежание просрочек, грозящих испорченной кредитной историей и штрафами, на стадии оформления стоит:

• внимательно прочитать условия договора;
• составить график платежей.

После полного погашения долга — возьмите официальную справку, подтверждающую отсутствие претензий со стороны МФО.

Кредитная карта

Повысить степень доверия можно, оформив кредитную карту, эмитированную банком, с которым имеется желание продолжать сотрудничество. Наличие кредитной истории при таком виде кредитования не является обязательным, как и подтверждение платежеспособности.

Чтобы не попасть в негативную ситуацию, стоит соблюдать два правила: использовать средства карты безналичным способом и возвращать потраченное в срок.

Потребительский кредит в банке

Планируя покупку квартиры в ипотеку, сформируйте себе положительную репутацию, взяв сначала небольшой экспресс-кредит на потребительские нужды. Стоит учитывать, что клиенту без истории одобрят кредит, возможно, не самых выгодных условиях. Но ответственно справившись с обязанностями, можно быть уверенным в повышении своего статуса.

Обратите внимание, что в преимущественном положении находятся зарплатные клиенты.

Займ с обеспечением

Наличие обеспечения в виде дорогостоящего имущества позволит банку быть уверенным в своевременном возврате долга. Оформив займ под залог машины или квартиры, главное, аккуратно вносить платежи, и закрыть долг в срок. В таком случае имущество останется в собственности владельца, а история улучшится.

Потребительский кредит наличными под залог обычно выдается при предъявлении одного документа — паспорта. Решение по заявке предоставляется в течение нескольких минут.

Специальные банковские программы

Часто банки, привлекая новых клиентов, разрабатывают специальные программы. Например, в Альфа-Банке действует программа “Кредит без кредитной истории”, условия которой соответствуют стандартным.

Вся процедура оформления происходит в режиме онлайн, требуется быть совершеннолетним гражданином РФ и иметь минимальный доход.

Если все банки отказывают в помощи, то другого способа, как заработать кредитную историю — не остается. Требуется запастись терпением и стать участником специальной программы, направленной на реабилитацию кредитной истории. К примеру, такой как:

• “Улучшение кредитной истории” в Совкомбанке;
• ”Кредитная помощь” в банке Восточный.

Стоит учитывать, что программа рассчитана не на получение легкого кредита, а прежде всего на постепенное создание основательной хорошей кредитной истории.

Как сделать себе хорошую кредитную историю с нуля?

Хорошую кредитную историю можно начать в любой момент, но лучше, если этот момент совпадет с благоприятными жизненными обстоятельствами:

• стабильной работой;
• хорошими заработками;
• наличием зарплатного счета в банке;
• открытым депозитом.

Именно в этом случае кредитная организация одобрит кредит даже при отсутствии КИ. Дальнейшая задача — выполнять свои обязательства: погашать задолженность в срок и в требуемом объеме.

Перед тем как начать кредитную историю, стоит сначала отправить запрос в БКИ, чтобы убедиться, что начинаешь действительно с нуля.

Что может испортить КИ?

Испортить кредитную историю можно недобросовестным исполнением взятых на себя кредитных обязательств. Важно понимать, что банки передают информацию в БКИ каждые 10 дней. Если заемщик по каким-то причинам опоздал с платежом в этот срок, то просрочка не отразится в КИ. 

Несвоевременная оплата задолженности в срок более 15-30 дней может сильно испортить кредитную историю. Неуплата кредита в течение 90 дней понижает рейтинг заемщика до минусовых цифр. Заемщик создаст себе одним негативным фактом плохую кредитную историю, несмотря на то, что он является состоятельным человеком, исправно оплачивающим еще несколько крупных кредитов.

Раз в три месяца рекомендуется запрашивать кредитную историю в целях мониторинга. Ведь не исключается вероятность того, что банки допустят технические ошибки, а мошенники оформят кредит на ваше имя.

Кредитная история — это документ, позволяющий не только обращаться за финансовой помощью в банки, но и создающий репутацию в профессиональной сфере. Вывод ясен — кредитную историю необходимо создать и на протяжении всей жизни сохранять в идеальном состоянии. Только в этом случае можно рассчитывать на благосклонность системы.

90000 Your Credit History | Consumer.gov 90001 90002 Why is my credit report important? 90003 90004 Businesses look at your credit report when you apply for: 90005 90006 90007 loans from a bank 90008 90007 credit cards 90008 90007 jobs 90008 90007 insurance 90008 90015 90004 If you apply for one of these, the business wants to know if you pay your bills. The business also wants to know if you owe money to someone else. The business uses the information in your credit report to decide whether to give you a loan, a credit card, a job, or insurance.90005 90002 What does «good credit» mean? 90003 90004 Some people have good credit. Some people have bad credit. Some people do not have a credit history. Businesses see this in your credit report. Different things happen based on your credit history: 90005 90004 90023 90024 90025 90005 90004 That means: 90005 90006 90007 I have more loan choices. 90008 90007 It is easier to get credit cards. 90008 90007 I pay lower interest rates. 90008 90007 I pay less for loans and credit cards.90008 90015 90004 90005 90004 90042 90005 90004 That means: 90005 90006 90007 I have fewer loan choices. 90008 90007 It is harder to get credit cards. 90008 90007 I pay higher interest rates. 90008 90007 I pay more for loans and credit cards. 90008 90015 90004 90005 90058 90004 That means: 90005 90006 90007 I have no bank loan choices. 90008 90007 It is very hard to get credit cards. 90008 90007 I pay high interest rates. 90008 90007 Loans and credit cards are hard to get and cost a lot.90008 90015 90004 90005 90004 All this information is in your credit report. 90005 90002 Why should I get my credit report? 90003 90004 An important reason to get your credit report is to find problems or mistakes and fix them: 90005 90006 90007 You might find somebody’s information in your report by mistake. 90008 90007 You might find information about you from a long time ago. 90008 90007 You might find accounts that are not yours. That might mean someone stole your identity.90008 90015 90004 You want to know what is in your report. The information in your report will help decide whether you get a loan, a credit card, a job or insurance. 90005 90004 If the information is wrong, you can try to fix it. If the information is right — but not so good — you can try to improve your credit history. 90005 90002 Where do I get my free credit report? 90003 90004 You can get your free credit report from Annual Credit Report. That is the only free place to get your report.You can get it online: AnnualCreditReport.com, or by phone: 1-877-322-8228. 90005 90004 You get one free report from each credit reporting company every year. That means you get three reports each year. 90005 90002 What should I do when I get my credit report? 90003 90004 Your credit report has a lot of information. Check to see if the information is correct. Is it 90023 your 90025 name and address? Do you recognize the accounts listed? 90005 90004 If there is wrong information in your report, try to fix it.You can write to the credit reporting company. Ask them to change the information that is wrong. You might need to send proof that the information is wrong — for example, a copy of a bill that shows the correct information. The credit reporting company must check it out and write back to you. 90005 90002 How do I improve my credit? 90003 90004 Look at your free credit report. The report will tell you how to improve your credit history. Only you can improve your credit. No one else can fix information in your credit report that is not good, but is correct.90005 90004 It takes time to improve your credit history. Here are some ways to help rebuild your credit. 90005 90006 90007 Pay your bills by the date they are due. This is the most important thing you can do. 90008 90007 Lower the amount you owe, especially on your credit cards. Owing a lot of money hurts your credit history. 90008 90007 Do not get new credit cards if you do not need them. A lot of new credit hurts your credit history. 90008 90007 Do not close older credit cards. Having credit for a longer time helps your rating.90008 90015 90004 After six to nine months of this, check your credit report again. You can use one of your free reports from Annual Credit Report. 90005 90002 How does a credit score work? 90003 90004 Your credit score is a number related to your credit history. If your credit score is high, your credit is good. If your credit score is low, your credit is bad. 90005 90004 There are different credit scores. Each credit reporting company creates a credit score. Other companies create scores, too.The range is different, but it usually goes from about 300 (low) to 850 (high). 90005 90004 It costs money to look at your credit score. Sometimes a company might say the score is free. But usually there is a cost. 90005 90002 What goes into a credit score? 90003 90004 Each company has its own way to calculate your credit score. They look at: 90005 90006 90007 how many loans and credit cards you have 90008 90007 how much money you owe 90008 90007 how long you have had credit 90008 90007 how much new credit you have 90008 90015 90004 They look at the information in your credit report and give it a number.That is your credit score. 90005 90004 It is very important to know what is in your credit report. If your report is good, your score will be good. You can decide if it is worth paying money to see what number someone gives your credit history. 90005 Read more .90000 Your credit history 90001 90002 Introduction 90003 90004 Your credit history is information about any loans you have. It covers loans such as mortgages, credit cards, overdrafts, hire purchase agreements and personal contract plans. 90005 90004 Your credit history includes details such as the amount of the loan, the outstanding amount and any missed payments. This information is listed in a credit report. 90005 90004 Credit reports are available for lenders (such as banks and credit unions) to consult when they are considering applications for loans.The aim of the system is to help lenders to assess the ability of borrowers to repay loans. 90005 90004 You can also request your own credit report — see ‘Your credit report’ below. 90005 90004 In Ireland, there are 2 databases that collect information on loans. These are: 90005 90014 90015 Central Credit Register 90014 90015 Banks, credit unions and other lenders are required by law to send information on loans to the Central Credit Register, which is operated by the Central Bank of Ireland.They are also required by law to consult the Register before approving a loan. 90018 90019 90018 90015 Irish Credit Bureau’s (ICB) database 90014 90015 Lenders may choose to send information about borrowers to databases operated by a credit reference agency, such as the Irish Credit Bureau (ICB). 90018 90019 90018 90019 90004 The Central Credit Register and the ICB do not decide whether or not you get a loan. Lenders use the credit report to assess your loan application before making a decision.They may also take into consideration your income and outgoings, such as rent and utilities. Different lenders have different criteria for approving loans. 90005 90030 COVID-19 payment breaks 90031 90004 On 18 March 2020 року, the 5 retail banks (AIB, Bank of Ireland, KBC, Permanent tsb and Ulster Bank), along with their representative body the Banking & Payments Federation Ireland (BPFI) announced a series of measures to support people and businesses impacted by the COVID-19 pandemic. The measures have been extended to include non-bank mortgage lenders and credit servicing firms.90005 90004 Under these measures banks can grant a payment break of up to 3 months for businesses and personal customers. The Central Bank has confirmed that if you agree to a a COVID-19 payment break with your lender: 90005 90014 90015 The payment break is not identified as a ‘missed payment’ on your credit report 90018 90015 Your credit history will not be affected 90018 90019 90004 The Central Bank has more information on how payment breaks will be specially recorded on your credit record.90005 90004 You can read more about the support you can get from your bank in our document on Your finances and COVID-19. 90005 90030 90047 Why your credit history is so important 90048 90031 90004 When you apply for a loan or other type of credit, such as a credit card, overdraft, HP or personal contract plan (PCP), the lender has to decide whether or not to lend to you. 90005 90004 The information on your credit report can be used to decide: 90005 90014 90015 Whether to lend to you 90018 90015 How much to allow you to borrow 90018 90015 How much interest to charge you 90018 90019 90004 Under EU law, lenders must assess your creditworthiness before agreeing to give you a loan.Creditworthiness means your ability to repay the loan. This assessment must be based on the information you provide as part of your loan application, and also on the information in your credit report. 90005 90004 Information in your credit report may mean that lenders could decide not to lend to you, even if you have the income to repay the loan. They could refuse your loan if they believe they might be taking a high risk in lending to you. 90005 90030 90047 Check your own credit report 90048 90031 90004 If you are applying for an overdraft, mortgage, credit card or other type of loan, it is a good idea to check your credit report before you apply.It can help you spot any missed payments you did not realise were missed, or mistakes in your credit report. 90005 90004 Importantly, you can get incorrect information corrected. You also have the right to add a statement to your credit report to explain any special circumstance — see ‘Rules’ below. 90005 90030 What happens if you are refused a loan? 90031 90004 If you are refused a loan because of information in your credit report, the lender must immediately tell you this and give you details of the database used.90005 90004 This applies to personal consumer credit agreements for amounts between € 200 and € 75,000. It does not apply to mortgages. 90005 90002 Credit history databases 90003 90004 The Central Credit Register and the ICB database hold similar information on your credit history, but there are some differences between them. 90005 90004 For more details on the types of loans included in each one, see ‘Information held on the databases’ in the table below. 90005 90030 Central Credit Register 90031 90014 90015 The Central Credit Register is operated by the Central Bank of Ireland.90018 90015 By law, lenders must submit information about your loans to the Central Credit Register. Your consent is not required. 90018 90015 Since 2018, it is compulsory for lenders to check your credit report in the Central Credit Register when they are considering a loan application of € 2,000 or more. 90018 90015 Lenders can access your credit report if you have applied for a loan under € 2,000 or requested a re-structure of an existing loan. They can also access it if there are arrears on an existing loan or a breach of a limit on a credit card or overdraft.90018 90015 Information is kept for 5 years after the loan has been repaid. 90018 90019 90004 90047 Why was the Central Credit Register set up? 90048 90005 90004 The Central Credit Register was set up to promote greater financial stability by: 90005 90014 90015 Providing borrowers with an individual credit report detailing their loans 90018 90015 Providing lenders with comprehensive information to assess loan applications 90018 90015 Providing the Central Bank with better insights into national trends around lending 90018 90019 90004 Read more on centralcreditregister.ie 90005 90030 ICB database 90031 90014 90015 The ICB is a private organisation, owned and financed by its members (which include banks, credit unions and local authorities). 90018 90015 Each time you apply for a loan from an ICB member, they can access your credit report. 90018 90015 You are asked to consent to your loan information being added to the ICB database (this is usually in your loan agreement). 90018 90015 The lender can ask the ICB for a credit score or credit rating, which is calculated on the basis of your credit history.Your credit rating indicates whether your credit repayment record is good or poor. 90018 90015 Its database has existed for longer than the Central Credit Register and so its records go back longer. 90018 90015 The ICB’s database will only hold information about you if you have had an active loan in the past 5 years and if your lender has provided information to the ICB. 90018 90019 90002 Rules 90003 90030 Information held on the databases 90031 90004 90047 What loans are included? 90048 90005 90140 90141 90142 90142 90144 90145 90146 90047 Central Credit Register 90048 90149 90146 90047 Irish Credit Bureau (ICB) 90048 90149 90154 90155 90156 90145 90158 Loans for € 500 or more are included on the Central Credit Register 90004 Since June 2017: 90005 90014 90015 Credit cards 90018 90015 Mortgages 90018 90015 Overdrafts 90018 90015 Personal loans 90018 90019 90004 Since 31 March 2018: 90005 90014 90015 Local authority loans 90018 90015 Moneylender loans 90018 90019 90004 Since 21 January 2019: 90005 90014 90015 Business loans such as loans to companies, partnerships, clubs and associations 90018 90019 90004 From 30 June 2019: 90005 90014 90015 Hire purchase agreements 90018 90015 Asset finance 90018 90015 Personal contract plans (PCPs) 90018 90019 90195 90158 Loans from registered members of ICB, including: 90014 90015 Mortgages 90018 90015 Car loans 90018 90015 Personal loans 90018 90015 Leasing and hire purchase agreements 90018 90015 Credit cards 90018 90015 Asset finance 90018 90019 90195 90154 90213 90214 90004 90047 What loans are not included? 90048 90005 90004 The following information is not included on the Central Credit Register or the ICB’s database: 90005 90014 90015 Utility bills 90018 90015 Pawnbrokers ‘records 90018 90015 Income and salary information 90018 90015 Courts Service records — such as information about instalment orders or attachments of earnings 90018 90015 Insolvency Service of Ireland records (such as information about debt relief notices, personal insolvency or bankruptcy) 90018 90015 Deposit accounts 90018 90015 Tax liabilities 90018 90019 90004 90047 Consent for personal information to be included on a database 90048 90005 90004 Under data protection regulations, organisations that hold your personal information must show why they are holding it.90005 90004 90047 Central Credit Register 90048 90005 90004 The legal basis for the Central Bank to collect and hold personal information in the Central Credit Register is set out in the Credit Reporting Act 2013 and the Regulations. 90005 90004 Since 2017, lenders must submit your personal and credit information to the Central Credit Register. 90005 90004 90047 Irish Credit Bureau 90048 90005 90004 The ICB relies on the principle of legitimate interests under the General Data Protection Regulation (GDPR) as the legal basis to collect and process your personal and credit information.90005 90004 The legitimate interests include supporting a full and accurate assessment of loan applications, helping to avoid over-indebtedness and supporting faster, consistent lending decisions. You can read more about what entitles the ICB to process your personal data (pdf). 90005 90004 90047 Consent for a lender to check your credit history 90048 90005 90004 When you apply for a loan, the lender must check the Central Credit Register if the loan is for € 2,000 or more. Lenders can also check the Central Credit Register if the loan application is for under € 2,000.90005 90004 Your consent is not required for lenders to check the Central Credit Register. 90005 90004 Separately, you may be required to give the lender permission to check your credit history on another database, such as the ICB. Usually, this consent is part of your contract or agreement when you first apply for a loan, so you may not notice that you are giving consent. 90005 90004 90047 What information about you is held on the databases? 90048 90005 90140 90141 90142 90142 90144 90145 90146 90047 Central Credit Register 90048 90149 90146 90047 Irish Credit Bureau (ICB) 90048 90149 90154 90155 90156 90145 90158 Personal information including your name, date of birth, current and previous addresses, personal public service number (PPSN), gender, eircode and telephone number 90004 Credit information including: 90005 90014 90015 Type of loan (for example, credit card, mortgage, overdraft, personal loan) 90018 90015 Name of the lender 90018 90015 Amount of the loan 90018 90015 Outstanding balance 90018 90015 Number of overdue payments, if any 90018 90015 Date of next payment 90018 90015 Amount of next payment 90018 90019 90195 90158 90014 90015 Your name, date of birth, gender, telephone numbers, address (es) used by you in relation to financial transactions, occupation 90018 90015 Names of lenders, types of loan, amount of loan, credit card limit, term (if applicable), opening date, payment frequency and account numbers of loans that you currently hold, or that were active within the last 5 years 90018 90015 Latest balance amount and date 90018 90015 Repayments made or missed for each month on each loan Failure to clear any loan 90018 90015 Loans that were settled for less than you owed 90018 90015 Legal actions that your lender took against you 90018 90019 90195 90154 90213 90214 90004 90047 How far back does the information go? 90048 90005 90004 90047 Central Credit Register 90048 90005 90004 No details about your credit history before 30 June 2017 are held on the Central Credit Register.90005 90004 If a loan was issued before June 2017 and was still active on 30 June 2017, it was reported to the Central Credit Register, with information at that date. This included the loan amount, the outstanding amount and missed payments, if any. 90005 90004 90047 Irish Credit Bureau 90048 90005 90004 Information about you is usually held on the ICB’s database if you have had an active loan in the past 5 years and if your lender has provided information to the ICB. 90005 90004 90047 How long is information kept? 90048 90005 90004 Information on your loan is held for 5 years on both the Central Credit Register and the ICB’s database.This 5-year period generally begins on the date that the loan is repaid. 90005 90030 Your credit report 90031 90004 90047 How do you request your report? 90048 90005 90004 You can request your credit report at any time — see ‘How to apply’ below. 90005 90004 90047 Is there a charge for a report? 90048 90005 90004 No. Your Central Credit Register and ICB credit reports are free. 90005 90004 What does your credit report look like? 90005 90004 You can go to the Central Credit Register website to see a sample credit report and an explanation of terms (pdf).90005 90004 You can go to the ICB website for a sample credit report (Pdf). 90005 90004 90047 Is there a rating or score on your credit report? 90048 90005 90004 Credit scoring or credit rating is a technique which summarises your credit status at a particular point in time. If you have a good record of repaying loans, then you get a high score. If your repayment record is poor, you get a low score. The only way to improve your credit score is to improve your repayment record. 90005 90004 Members of the ICB can ask for your credit score or credit rating which is calculated on the basis of your credit history.You can check your credit report as often as you like without affecting your credit score. 90005 90004 The Central Credit Register does not currently score or grade credit reports. Your lender will make a decision on your loan application based on their own credit policy. 90005 90004 90047 Who else will be able to access your credit report? 90048 90005 90004 Only lenders can access your credit report. They may do this when: 90005 90014 90015 You apply for a new loan 90018 90015 You apply to have your existing loan restructured 90018 90015 You have arrears on an existing loan 90018 90015 You have gone over the limit of a credit card or overdraft 90018 90019 90004 No-one else, such as employers or landlords, can access your credit report on the Central Credit Register or ICB’s database without your consent.90005 90004 90047 How do you know who has been looking at your report? 90048 90005 90004 Your credit report will show each time a lender has viewed your information and the reason they did so. This is called a ‘footprint’ (Central Credit Register report) or ‘history of enquiries’ (ICB report). It means that you will know who has looked at your credit report and when. 90005 90004 Every lender must provide you with details of any credit reference agency it has used when assessing your application for a loan.90005 90030 Request a change to your credit report 90031 90004 90047 What can you do if there is incorrect information on your credit report? 90048 90005 90004 You have the right under the General Data Protection Directive (GDPR) to access the records held about you by credit agencies and to have incorrect information rectified. If you are not satisfied with how your request is handled, you can appeal to the Data Protection Commission. 90005 90004 90047 Central Credit Register 90048 90005 90004 If you believe there is inaccurate, incomplete or out-of-date information in your credit report, you have a right to apply to your lender and the Central Bank to amend the information held on the Central Credit Register.90005 90004 You can get more information in the Central Bank’s factsheet How to request an amendment to information on my credit report. 90005 90004 90047 Irish Credit Bureau 90048 90005 90004 If you want to have inaccurate information on your credit record amended, contact the lender concerned and ask them to forward the correct information to the ICB. The ICB can not change the information unless the lender asks them to. 90005 90004 90047 Can you add a statement to your credit report? 90048 90005 90004 It is possible to add a personal statement to your credit record to clarify it.This is known as an ‘explanatory statement’ (Central Credit Register) or ‘personal declaration’ (ICB). 90005 90004 For example, if you have had significant expenses due to relationship breakdown, bereavement, illness or another cause, you may add these details to your record. 90005 90004 The statement must be factual, relevant to the information in the credit report, and under 200 words. It should not contain information that could identify another individual (such as their name or workplace).90005 90004 You can get more information in the Central Bank’s factsheet Placing an explanatory statement on my credit report. 90005 90004 The statement is added to your credit report and it can be viewed when your data is accessed. However, lenders do not have to take your statement into account when assessing you for a loan. 90005 90004 90047 Can you get bad credit details removed from your credit report? 90048 90005 90004 Yes, but only if these details are incorrect. All lenders have to provide an accurate record of your credit agreements and transactions.This will include information on payments made and payments missed. 90005 90004 90047 What if you suspect fraud or impersonation? 90048 90005 90004 You have the right to place a notice of suspected impersonation on your Central Credit Register credit report if you believe you have been or are being) impersonated by another person. 90005 90002 How to apply 90003 90030 90047 Central Credit Register 90048 90031 90004 You can get a copy of your credit report by applying online to the Central Credit Register or by email or post.90005 90004 As part of the application, the Central Credit Register will need proof of your identity: your name, address and Personal Public Service Number (PPSN). This is to make sure your data protection rights are protected. 90005 90004 If you are applying by email, you must print, sign and scan your completed application form and then attach it (with scanned copies of your identification documents). 90005 90004 If you are applying by post, you will need to enclose proof of your identity with your signed application form.90005 90004 Online, you can see a sample credit report (pdf) and an explanation of terms (pdf). 90005 90030 Irish Credit Bureau (ICB) 90031 90004 You can get a free copy of your credit record by applying online to the Irish Credit Bureau. For security reasons, it will be posted out to you. It will not be emailed. 90005 90004 Alternatively, you can download a Personal Enquiry Form (Pdf) or request an application form from the ICB. Send the completed application form to the ICB. See ‘Where to apply’ below.90005 90004 The report that the ICB issues will display a personal reference number. You may then contact the ICB to discuss your report, quoting this number. You can not discuss your credit record with the ICB by phone until you have received the report. 90005 .90000 How (And Why) To Change Your Credit Card Due Date 90001 90002 Having the ability to change your credit card due date can help you better align credit card and bill payments with each other and your paychecks, in turn making it easier to complete monthly payments on time. 90003 90004 90002 Indeed, many credit card issuers allow cardholders to move their due date. Maybe your original credit card due date is the day before you get paid, making it hard or impossible to make the payment.Or perhaps it falls on the same date as three or four of your other bills, and you would prefer to stagger it. The benefits to moving a due date are going to be uniquely different to each person. 90003 90007 90002 90003 90010 If You Can not Change Your Due Date … 90011 90002 All is not lost. Sure, it may be easiest to solve the above problems by moving your due date. But you can achieve similarly positive results by employing a few smart budgeting techniques. 90003 90002 If you’re concerned about not having enough money to pay a credit card bill that falls a week or more away from a paycheck, you might consider making a payment a week or two early, after you’ve received your statement, when you have the funds available.Or, you could set up a separate bank account where you deposit at least your card’s minimum payment after every check. This process is actually pretty simple with online banking, and could provide a solution for those on tight budgets. 90003 90016 90002 90018 Legal Disclaimer: 90019 This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service.It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional. 90003 .90000 How to Change Your Name on a Credit Card 90001 90002 The honeymoon is over and you’ve got a new name. Among the top items on your to-do list: change your name on a credit card. This will take some work, but here’s everything you need to know to get the job done. 90003 90004 90005 Initial Steps 90006 90002 When you apply for a marriage license, it’s a good idea to order multiple certified copies. If you have not already done this, take a step back and order them immediately.You can not move forward with your name change without them. 90003 90002 Once you’ve got those in-hand, you’re off to the Social Security Administration. Fill out Form SS-5 and take the completed form, along with a certified copy of your marriage license, to your local Social Security office. (Click here to find a Social Security office near you.) 90003 90005 Intermediate Steps 90006 90002 While you are waiting for your new Social Security card, make a list of all the places you’ll need to notify of your name change, such as your employer, the post office, utilities, insurance companies and banks.Clean out your wallet and take note of any membership or library cards where you’ll need to make changes. Learn what each of these organizations requires to make the change and begin working down the list. 90003 90002 Once you have your new Social Security card, it’s time to change your drivers ‘license. You’ll need to contact your state’s driver licensing bureau to see what’s involved, as rules vary in different states. Typically, states require three forms of identification, so bring your old drivers ‘license or state identification card, your birth certificate and your new Social Security card.90003 90005 Final Steps 90006 90002 Contact your credit card providers. Every company has slightly different procedures for how to change your name on a credit card. 90003 90002 Many credit providers will take a request for a name change online or by phone. Some financial institutions may require you to come into a local branch office. Most will typically require a copy of your marriage certificate and your new identification — that is, your updated driver’s license or state identification card and Social Security information.90003 90002 You’ll want to get this handled as quickly as the process allows. If you do not inform your creditors of your name change, you may have problems in the future. 90003 90025 90002 As for your credit report itself, you do not have to inform the three major credit reporting agencies of your name change. They’ll get that information from your lenders. 90003 90002 90029 Legal Disclaimer: 90030 This site is for educational purposes and is not a substitute for professional advice.The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional. 90003 .