suripitamela
Registered User
- Messages
- 5
Hi,
I would like some opinions here.
I have a 500 Euro Overdraft in my AIB account, which I pay in full every month with my salary (around 3000)......I tend to use part of the overdraft monthly but I keep covering it. Have not had any unpaid DD from my account since February this year.
Now, I have tried to get a personal loan but was denied. The only reason I see is that they are looking at the overdraft in my account, thing is that I have that for many years now.. I am also a permanent employee with more than 9 years in the same place.
I requested a Credit report and seems to be clean, only shows an entry when I requested a loan this year, and one I requested in July last year...
Am I missing something, or is it infact that the 500 euro overdraft is affecting my credit and thats why I am being denied a loan? (personal loan I am looking is around 5K)
Thanks,
I would like some opinions here.
I have a 500 Euro Overdraft in my AIB account, which I pay in full every month with my salary (around 3000)......I tend to use part of the overdraft monthly but I keep covering it. Have not had any unpaid DD from my account since February this year.
Now, I have tried to get a personal loan but was denied. The only reason I see is that they are looking at the overdraft in my account, thing is that I have that for many years now.. I am also a permanent employee with more than 9 years in the same place.
I requested a Credit report and seems to be clean, only shows an entry when I requested a loan this year, and one I requested in July last year...
Am I missing something, or is it infact that the 500 euro overdraft is affecting my credit and thats why I am being denied a loan? (personal loan I am looking is around 5K)
Thanks,