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Frequently Asked Questions
What affects my getting a loan?
How do lenders know about my previous loans?
Is my lender allowed to check my credit history?
Who makes the Lending decisions?
What information do lenders send to the ICB?
Can I get a copy of my credit report?
Can ICB give me a credit report over the phone?
Processing time for application forms?
What if there is a mistake on my credit report?
Can I get bad credit details removed from my credit report?
Credit reports in respect of companies.
What is a Credit Bureau Score (Credit Score)?
Will I always have a Credit Score?
How is a Credit Score used?
May a Credit Score be of benefit to me?
Does ICB approve or decline my loan application?
Who designed the Credit Score systems provided by ICB?
How is a Credit Score calculated?
Where may I find a Credit Score on my Credit Report?
What is the range of possible values for each Credit Score?
Will a high Credit Score ensure a successful credit application?
Will a low Credit Score cause an unsuccessful credit application?
May a Credit Score be improved?
What is ISO 27001?
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