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Effect of Split Mortgage on ICB Credit Rating

Does anyone know the effect of a split mortgage (20% in a moratorium) on a credit rating? Thanks to family there were never any arrears, late or missed payments while it was negotiated and everything agreed has been paid on time since.
I believed my credit history was clear as nothing was ever due outside of agreements, but AIB have just refused a car loan on the basis of a credit check.
I've requested a copy of my ICB report but it will take time to arrive, so thought I would ask here if...

Effect of Split Mortgage on ICB Credit Rating

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