After recently being refused a credit card balance transfer onto tesco credit cards , I requested my ICB report to see what the problem is. Now, my ICB report appears perfect, it lists all my borrowings, past and present, and shows them all up to date.
One question I do have, is for my old Bank of scotland mortgage it shows under payment history Most recent 24 payments : and then payments 1-24 - My payment tick marks only start at 18 and through to 24 where it was cleared. Now this is the correct number of payments i.e. I only had the mortgage 6 months and then cleared it - but under payments 1-18 it shows "-" which stands for "No information available". My current mortgage which ive had 3 months lists "Most recent 3 payments" and 1-3 ticked fine. Could these blank marks be affecting my credit ... or is it just that Tesco credit cards think I have enough loans to be coping with?
Another question I have is that it lists what financial institutions accessed your records and when. It shows for example BOS checking me on 9th feb and again on 6th march. This was all for one application, so should they really have been checking it twice?? Doesnt it effect your rating the more times they access you? Also, AIB have checked me numerous times and ive no idea for what...i havent applied for anything with aib to my knowledge and under branch name it says "Telebank". Can anyone shed any light on this?
One question I do have, is for my old Bank of scotland mortgage it shows under payment history Most recent 24 payments : and then payments 1-24 - My payment tick marks only start at 18 and through to 24 where it was cleared. Now this is the correct number of payments i.e. I only had the mortgage 6 months and then cleared it - but under payments 1-18 it shows "-" which stands for "No information available". My current mortgage which ive had 3 months lists "Most recent 3 payments" and 1-3 ticked fine. Could these blank marks be affecting my credit ... or is it just that Tesco credit cards think I have enough loans to be coping with?
Another question I have is that it lists what financial institutions accessed your records and when. It shows for example BOS checking me on 9th feb and again on 6th march. This was all for one application, so should they really have been checking it twice?? Doesnt it effect your rating the more times they access you? Also, AIB have checked me numerous times and ive no idea for what...i havent applied for anything with aib to my knowledge and under branch name it says "Telebank". Can anyone shed any light on this?