Applying for credit during DAS

For credit over £2,000, you need to:

get approval from AiB before you apply - unless it’s for certain emergency costs
tell creditors, in writing, you have a DAS when you apply

You do not need approval from AiB to apply for credit up to £2,000 during a DAS.

AiB could cancel your DAS if you apply for credit over £2,000 without them approving it. Contact your money adviser before you apply for credit.

Emergency costs

You do not need approval from AiB for credit over £2,000 if it’s for:

emergency home repairs – to keep your house wind and watertight
repairing a car you use to travel to work
to keep essential items in working order – for example, repairing your washing machine
funeral expenses for a close family member

Check if you need approval with your money adviser or the AiB before you apply for any credit.

You can ask for approval for credit over £2,000 by applying for a variation to your DAS.

Credit reference agencies can check the DAS register and add the DAS to your credit file.

Your money adviser can tell you how a DAS might affect your credit rating.

DAS can stay on your credit file for at least 6 years.

Some credit agencies will automatically remove it after 6 years. If this does not happen, you can contact the agency to ask them to remove it.

The 3 main credit reference agencies are:

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