List of Credit Information Providers
On this page you will find the List of Credit Information Providers (lenders), who have submitted personal and credit information to the Central Credit Register. This list of Credit Information Providers is split into two sections; Section A lists the Credit Information Providers currently submitting information to the Central Credit Register and Section B lists the Credit Information Providers who previously submitted data to the Central Credit Register.
This list will be updated regularly as more lenders submit information. The Central Bank continues to engage with any lender who has not yet submitted information to the Central Credit Register. This is to ensure that they are compliant within the shortest possible length of time.
The Central Bank owns the information held on the Central Credit Register and is a data controller under the Data Protection Acts. Information submitted to the Central Credit Register is used to create individual credit reports. You have a right to request your credit report, free of charge at any time (subject to fair usage). Find out how to request your credit report and exercise any of your rights.
Your credit report does not tell you if you can be approved for a loan.
The Central Credit Register does not:
- decide if a loan is approved or not – the lender makes that decision;
- score or grade Credit Reports.
From time to time, lenders may sell off portfolios of loans and this will result in a change of name from the original Credit Information Provider to the new Credit Information Provider on your credit report. In addition, institutions may merge or be taken over, and this also will result in a change of name from the Credit Information Provider to the new Credit Information Provider.
In both examples, the new Credit Information Provider is obliged to report information to the Central Credit Register, including their name.
Section 3.11 of the Central Bank’s Consumer Protection Code, sets out the conditions under which such transfers should be notified to consumers.
Your credit report is created only from the information that is submitted by each Credit Information Provider. The Central Credit Register does not have access to any supporting documentation relating to any loan, such as loan application forms or terms and conditions. If you require more information regarding the transfer of your loan, you should refer directly to the Credit Information Provider named on your credit report.
More information for lenders and a comprehensive FAQ is available.