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Credit rating problem

I had a problem with a credit card but cleared it off a year ago. I now find my name in the Credit Bureau, which means that I can’t get a car loan or any other loan. How do I get my name off the Credit Bureau? Martin in Westmeath.

Hi Martin.  It would be fine for me as a solicitor to advise that you should launch a legal action seeking a declaration of unfair credit rating against you but the reality is that the Credit Bureau do keep records for up to five years and you were in default although you have now rectified it. 

 

You can ask the Bureau to show your record and you have the right to request to have it  “expunged” – that is , cancelled. 

 

There is also a process by which you can ask for an internal review and an appeals process if you are dissatisfied with the result.

 

If that doesn’t work, you can ask the Financial Services Ombudsman – www.financialombudsman.ie to make a ruling on it.

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