Q.  I recently applied for a loan but was refused. If this is because of my credit history record, can I check it to make sure that it is accurate?

26.03.08

The Irish Credit Bureau (ICB) is the main consumer credit reference agency in Ireland. Most lenders in Ireland submit information to the ICB about their borrowers and apply to it for details of the credit-worthiness of individuals who may have loans with other lenders. A borrower's credit record holds details of repayments made on loans, missed payments or failure to clear off a loan. Records remain on the ICB database for five years after a loan is closed.

You are entitled to get a full copy of the information held about you by contacting the ICB at (01) 260 0388 for an application form. This should be returned with payment of €6. Alternatively, you can apply online at www.icb.ie .

If you find a mistake in your credit record, ask your lender to write to the ICB with details and ask them to send you a copy of the letter. The ICB cannot change your record unless a lender requests it to do so. If you have problems getting your lender to do this you can make a complaint to the Data Protection Commissioner, Lo-call 1890 252 231, www.dataprotection.ie .

Citizens Information: Buncrana 074 9363496; Carndonagh 074 9373741

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