Credit union loan

Hi all,

I’m hoping to go forward for a loan with the credit union soon. They’ve told me as long as I save x amount for the next two months to show ability to pay off and the credit report is grand I should be all good to go.

I’ve never had a loan, credit card , over draft at all. I have however had a gym membership bounce or like a VHI payment bounce because it just landed at the wrong time of the month. In addition I was very sick over the year and I’m paying my doctor off I’ve only 100e remaining which is due to be paid off this week.

My question here is do these show up on these credit reports. I know we don’t have a credit rating like in the states but I’m not sure how this all works in ROI. This is new grounds for me.

Any help is appreciated