The Central Credit Register (the Register) is a centralised system for collecting personal and credit information on loans.

The Central Bank of Ireland is in charge of operating the Register as set out under the Credit Reporting Act 2013.

From 30 June 2017, the Register began collecting and storing personal and credit information from lenders about the loans they give to consumers. Lenders who give out loans of €500 or more are required to transfer information on these loans to the Register. The Register collects information on loans such as credit cards, overdrafts, personal loans and mortgages.

Since 31 March 2018, Local Authorities and High Cost Credit Providers (Moneylenders) providing loans of €500 or more must submit personal and credit information on those loans to the Central Credit Register. Business loans are also included from this time.

Since 30 June 2019 lenders who provide Hire Purchase, PCPs or similar type loans of €500 or more must submit personal and credit information on those loans to the Central Credit Register.

Information submitted by lenders is matched by the Central Credit Register and used to create a credit report. Lenders must request a copy of your credit report when you have applied for a loan of €2,000 or more. They may also, if they wish, request a copy of your credit report if your loan application is for less than €2,000.

Lenders may also request a copy of your credit report if:

  • You have requested a re-structure of an existing loan;

  • There are arrears on an existing loan; or

  • There has been a breach of the limit on a credit card or overdraft

  • You have the right to request your credit report at any time from the Central Credit Register
  • Only a consumer or a lender can request a credit report
  • Each request will be recorded as a “footprint” so you will know who has looked at your credit report.

For more information, please see http://www.centralcreditregister.ie