I applied for an Irish UB credit card a few months ago and was rejected, even though my branch appealed on my behalf. I have a UK UB card which I was wanting to ditch. I have a loan out with UB Ireland which I have had one payment one day late, but otherwise all up to date. I applied for my credit history from ICB, but they say they have no record of me either at my current address or my previous address (seven years ago) in the UK. Can anyone shed any light? Is there another credit reference agency as in the the UK? Why would I have no history, and why would I have been rejected? The loan will soon be completely paid off and I have no other credit, same for my husband.