Forgot about an Overdraft when I applied for a Car loan, need help!
I need some help understanding how much I've fucked my Credit Rating. I will be moving back home with the Parents in 3 weeks. I having paying €1200 rent in Dub City Centre and will going to just paying €150 per month with my parents in rural Kildare. I moved my Main Banking to Revolut in January as it was easier for budgeting with the pockets and other benefits.
I got rejected when I applied for a €5,000 car loan from Bank of Ireland and a €1,000 Credit Card from Revolut in April and and I recently got rejected for a €10,000 car loan from Revolut as I found the perfect car. I requested a credit report last week and realised I had an outstanding €500 overdraft with Bank of Ireland since November 2025. I have ADHD and when I moved to getting my Wage in Revolut I simply forgot.
When I pay off my Overdraft how long would I need to wait before I can apply for a car loan?
My only options now would be getting the bus into work which would take me 2½ to 3 hours or use my brother's car once every 2 weeks when he's work from home.
I am in full time employment and currently earn €30k base and around €45k a year after commission. After I pay off the overdraft, I'll only have €750 in savings.
I know I'm an idiot but any help would be appreciated.