ICB update frequency

Guru

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How often are ICB records updated with information from the main Irish banks (BOI, AIB, Ulster) after all outstanding debts have been cleared?

For someone with no debts/loans (current clean slate) who has a less than stellar credit rating what would be the best way to get a top quality credit rating over the 5 year lifespan of the ICB credit report in time for the mortgage/business loan?

Thanks.