I recently got my ICB credit report sent to me (out of curiosity as much as anything) and they have no history for me at all.
I am 36, single, self-employed the last 8 years. Have a decent pot of savings and a decent Pension fund. I have had a credit card for 12 years which is paid off monthly. And a regular savings pattern. I had one car loan for IR£1000 12 years ago - which i got through my credit union and had paid back in full earlier than the term. But that was my only loan ever.
My question is - I am likely to go looking for a mortgage next year (following a break and hopefully a permanent job - I currently rent), will having nothing on my ICB history be an issue?
I am 36, single, self-employed the last 8 years. Have a decent pot of savings and a decent Pension fund. I have had a credit card for 12 years which is paid off monthly. And a regular savings pattern. I had one car loan for IR£1000 12 years ago - which i got through my credit union and had paid back in full earlier than the term. But that was my only loan ever.
My question is - I am likely to go looking for a mortgage next year (following a break and hopefully a permanent job - I currently rent), will having nothing on my ICB history be an issue?