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Sample ICB Cover Letter: This is a ... - Irish Credit …

Irish Credit BUREAU Mr. Bloggs,We refer to your request for a copy of data relating to you now kept by this company. Please note that we only retain details of transactions registered by members of the Irish Credit Bureau This report was produced using details submitted by you in your application. Addresses used by you in relation to financial transactions with financial institutions though not supplied in your application may not be included in this report. A further report based on additional information may be required in these your assistance, we have included Frequently Asked Questions at the end of this sincerely,12345631-May-2018Mr. Joseph Bloggs,2 Main Street,The Village, : (Chairman), , , , , , 'Neill, (Indian)Please Note !

IRISH CREDIT BUREAU D.A.C. Details Provided By You: The following information was provided by you to search the Irish Credit Bureau …

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Transcription of Sample ICB Cover Letter: This is a ... - Irish Credit …

1 Irish Credit BUREAU Mr. Bloggs,We refer to your request for a copy of data relating to you now kept by this company. Please note that we only retain details of transactions registered by members of the Irish Credit Bureau This report was produced using details submitted by you in your application. Addresses used by you in relation to financial transactions with financial institutions though not supplied in your application may not be included in this report. A further report based on additional information may be required in these your assistance, we have included Frequently Asked Questions at the end of this sincerely,12345631-May-2018Mr. Joseph Bloggs,2 Main Street,The Village, : (Chairman), , , , , , 'Neill, (Indian)Please Note !

2 !It is possible to apply for your Credit Report online at" "Telephone: (01) 2600 388 Fax: (01) 2600 390 Web:ICB House, NewsteadClonskeagh Road, Dublin 14D14 PX09, IrelandDate: Re: Request To See Your Credit ReportRegistered in Ireland Number 144535 VAT Registration Number: 66541354I Registered offices as aboveCredit Report Reference Number:Data Protection SectionIrish Credit Bureau : 12345631/05/2018 10:58:40 Page 1 of 9/1 Irish Credit Bureau 2018 SampleIRISH Credit BUREAU Provided By You:The following information was provided by you to search the Irish Credit Bureau System and the results of the search are on the following page(s).Names: 1 Joseph BloggsAddresses: 12 Main Street, The Village, Administrator012-1234567012-1234567012-1 234567 Other Details:Date of Birth:Occupation:Gender:Home Phone Number:Work Phone Number:Mobile Phone Number:Id: 12345631/05/2018 10:58:40 Page 2 of 9/1 Irish Credit Bureau 2018 Sample11111111 ICB Account Holder ID:Names and and Address 1 JOSEPH BLOGGS2 MAIN STREET, THE VILLAGE, ADMIN012-1234567012-1234567012-1234567 Other Details:Date of Birth:Occupation:Gender:Home Phone Number:Work Phone Number:Mobile Phone Number:ICBCRIF 2 Score*Historical Enquiries made by Financial Institutions ('Footprints').

3 The list below shows details of each time a Financial Institution has requested a copy of your Credit Report within the past 12 months. A Credit Bureau Score (see the last 3 columns) is calculated only if the Financial Instituion making the enquiry requested it. A Credit Bureau Score is a number that summarises a Credit Report at a particular point in time and allows lenders to speed up their processing of a loan NameICBCRIF 3 Score*ICBCRIF 4 Score*GALWAY505 DEF BANKSun, 7 Jan 1810:1215:54 Wed, 7 Mar 18 DONNYBROOK495 GHI CARDS GROUPST STEPHENS GREEN508 QRS FINANCE LTDWed, 11 Apr 1812:1109:43 Wed, 20 Jun 18 DUBLINXYZ BANKSP lease see the section ' Credit Bureau Scores - Explained' towards the end of this report for a description of Credit : 12345631/05/2018 10:58:40 Page 3 of 9/1 Irish Credit Bureau 2018 Sample11111111 ICB Account Holder ID.

4 Account Information01-June-2016 Monthly 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 241 DEF BANK LTD15, (EUR) / 48 months7, (EUR) / 31-July-2018 Leasing ContractIndividual*This table shows the 24 most recent payment profile codes. Box *24 is the most recent indicator. Each box represents a period of 1 month. A numeric value represents the number of payment(s) in arrears at that Date:Financial Institution:Opening Amount / Term:Finance Type:Amount / Latest Balance Date:Association With Account:Payment Frequency:Payment History:To be set when loan is concluded(Ref No. ZZ12345)Scheduled Removal Date: = Payments up-to-date Explanation of payment profile codes:Id: 12345631/05/2018 10:58:40 Page 4 of 9/1 Irish Credit Bureau 2018 Sample22222222 ICB Account Holder ID:Names and and Address 1 JOSEPH BLOGGS2 MAIN STREET, THE VILLAGE, ADMINISTRATOR012-1234567012-1234567012-1 234567 Other Details:Date of Birth:Occupation:Gender:Home Phone Number:Work Phone Number:Mobile Phone Number:ICBCRIF 2 Score*Historical Enquiries made by Financial Institutions ('Footprints'):The list below shows details of each time a Financial Institution has requested a copy of your Credit Report within the past 12 months.

5 A Credit Bureau Score (see the last 3 columns) is calculated only if the Financial Instituion making the enquiry requested it. A Credit Bureau Score is a number that summarises a Credit Report at a particular point in time and allows lenders to speed up their processing of a loan NameICBCRIF 3 Score*ICBCRIF 4 Score*GALWAY505 DEF BANKSun, 7 Jan 1810:1215:54 Wed, 7 Mar 18 DONNYBROOK485 GHI CARDS GROUPST STEPHENS GREEN508 QRS FINANCE LTDWed, 11 Apr 1812:1109:43 Wed, 20 Jun 18 DUBLINXYZ BANKSP lease see the section ' Credit Bureau Scores - Explained' towards the end of this report for a description of Credit : 12345631/05/2018 10:58:40 Page 5 of 9/1 Irish Credit Bureau 2018 Sample22222222 ICB Account Holder ID.

6 Account Information10-February-2015 Monthly 12123111 12345 PPPPPPL 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 241 GHI CARDS GROUP10, (EUR) / 37 (EUR) / 31-March-2018 Hire PurchaseIndividual*This table shows the 24 most recent payment profile codes. Box *24 is the most recent indicator. Each box represents a period of 1 month. A numeric value represents the number of payment(s) in arrears at that Date:Financial Institution:Opening Amount / Term:Finance Type:Amount / Latest Balance Date:Association With Account:Payment Frequency:Payment History:31-March-2017(Ref No. YY45312)Scheduled Removal Date: = Payments up-to-date 1 = 1 Payment(s) in arrears 2 = 2 Payment(s) in arrears 3 = 3 Payment(s) in arrears 4 = 4 Payment(s) in arrears 5 = 5 Payment(s) in arrears L = A/C settled for less than full amt P = Pending Litigation Explanation of payment profile codes:Id: 12345631/05/2018 10:58:40 Page 6 of 9/1 Irish Credit Bureau 2018 Sample33333333 ICB Account Holder ID:Names and and Address 1 JOSEPH BLOGGS2 MAIN STREET, THE VILLAGE, ADMIN012-1234567012-1234567012-1234567 Other Details:Date of Birth:Occupation:Gender:Home Phone Number:Work Phone Number:Mobile Phone Number.

7 ICBCRIF 2 Score*Historical Enquiries made by Financial Institutions ('Footprints'):The list below shows details of each time a Financial Institution has requested a copy of your Credit Report within the past 12 months. A Credit Bureau Score (see the last 3 columns) is calculated only if the Financial Instituion making the enquiry requested it. A Credit Bureau Score is a number that summarises a Credit Report at a particular point in time and allows lenders to speed up their processing of a loan NameICBCRIF 3 Score*ICBCRIF 4 Score*GALWAY505 DEF BANKSun, 7 Jan 1810:1215:54 Wed, 7 Mar 18 DONNYBROOK500 GHI CARDS GROUPST STEPHENS GREEN508 QRS FINANCE LTDWed, 11 Apr 1812:1109:43 Wed, 20 Jun 18 DUBLINXYZ BANKSP lease see the section ' Credit Bureau Scores - Explained' towards the end of this report for a description of Credit : 12345631/05/2018 10:58:40 Page 7 of 9/1 Irish Credit Bureau 2018 Sample33333333 ICB Account Holder ID.

8 Account Information05-August-2015 Monthly 123 1222 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 241 DEF BANK150, (EUR) / 300 months146, (EUR) / 31-July-2018 MortgageJoint*This table shows the 24 most recent payment profile codes. Box *24 is the most recent indicator. Each box represents a period of 1 month. A numeric value represents the number of payment(s) in arrears at that Date:Financial Institution:Opening Amount / Term:Finance Type:Amount / Latest Balance Date:Association With Account:Payment Frequency:Payment History:To be set when loan is concluded(Ref No. UU45123)Scheduled Removal Date: = Payments up-to-date 1 = 1 Payment(s) in arrears 2 = 2 Payment(s) in arrears 3 = 3 Payment(s) in arrears Explanation of payment profile codes:Id: 12345631/05/2018 10:58:40 Page 8 of 9/1 Irish Credit Bureau 2018 SampleWhat is a Credit Bureau Score (" Credit Score")?

9 A Credit Score is a number which summarises your ICB Credit Report at a particular point in time and may assist faster processing of loan applications by I always have a Credit Score?No, not always. The Credit Score needs to be requested by the lender from ICB. If the lender has not requested it, you will not have a Credit Score. If the loan(s) has been opened very recently, or there has been no activity on the loan(s) for some time, you will not have a Credit Score ICB approve or decline my loan application?No, ICB is not a lender. ICB stores your Credit report in its systems and returns it to a lender when requested. If the lender also requests a Credit Score then the score is calculated and returned with the report.

10 It is the responsibility of the lender to decide whether or not to approve your loan if there is a mistake on my records in ICB?Mistakes can and do happen. If you find a mistake on your Credit Report, you have the right to have it rectified. Please note that ICB cannot change your Credit record until a lender instructs it to do so. To speed up the rectification process, it is best to contact the lender directly to ask them to amend the data that they registered on ICB relating to your loan. The lender will then advise ICB to make the relevant changes. ICB can also assist you in this lenders will act to correct any mistake and amend your Credit Report immediately; however, if you experience problems or delays or your lender fails to correct an error you can consider making a formal complaint by referring the matter to the Office of the Data Protection Commissioner (1890-252 231) or the Financial Services and Pensions Ombudsman (1890-88 20 90).


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