What is the Central Credit Register?
The Central Credit Register is a database that stores personal and credit information on loans of €500 or more. It is operated by the Central Bank of Ireland under the Credit Reporting Act 2013. The Central Bank has contracted with CRIF Ireland Ltd, a wholly owned subsidiary of CRIF Italy S.p.A. to operate the Central Credit Register on its behalf.
The Central Credit Register provides credit reports to borrowers and lenders. More information on uses of Central Credit Register data is here.
You have a right to request your credit report, free of charge at any time.
The Central Credit Register supports the Central Bank’s obligations and functions, including consumer protection, supervising the financial sector and ensuring financial stability.
Since 30 June 2017 lenders including banks, credit unions, and any other lender that provides consumer loans for €500 or more, have submitted personal and credit information on those loans to the Central Credit Register every month.
Since 31 March 2018 high cost credit providers (licensed moneylenders) and local authorities have submitted information to the Central Credit Register every month. Business loans have also been included from this time.
Since 30 June 2019, lenders have submitted information on hire purchase, personal contract plans (PCP) and asset finance loans to the Central Credit Register.
Find more information on what is included on the Central Credit Register here.
Lenders must request your credit report if you have applied for a loan of €2,000 or more.
Lenders also have the right to request your credit report if you have:
- applied for a loan less than €2,000
- asked for a re-structure of an existing loan
- arrears on an existing loan
- breached the limit on a credit card or overdraft
The Central Credit Register does not:
- decide if a loan is approved or not – the lender makes that decision
- calculate a credit score on credit reports.
The Central Bank owns the information held on the Central Credit Register and is a data controller under the Data Protection Acts. Read our Data Protection Statement.
You have a right to request your credit report, free of charge at any time (subject to fair usage). Find out how to apply for your credit report, or exercise any of your rights.
Browse this website for more information about the Central Credit Register or read our factsheets.