Timeline

Timeline

The Central Credit Register is being implemented on a phased basis. 

Consumer loans – Credit Cards, Mortgages, Overdrafts and Credit Cards

Since 30 June 2017 lenders including banks, credit unions, and other lenders that provide consumer loans for €500 have submitted personal and credit information on those loans to the Central Credit Register every month.

This information is now included on your credit report.

The Central Credit Register started with credit cards, mortgages, overdrafts and personal loans. Other types of loans such as Hire Purchase and PCPs will be included in the future. Find out what is included on the Central Credit Register. 

From 30 September 2018 lenders must request your credit report if you have applied for a loan of €2,000.

Lenders may also obtain your credit report if :

  • you have asked for a re-structure of an existing loan
  • if there are arrears on an existing loan
  • if you have breached the limit on a credit card or overdraft

Moneylender loans, Local Authority Loans, Business Loans

Since 31 March 2018, licensed moneylenders and local authorities that provide loans of €500 or more have submitted personal and credit information on those loans to the Central Credit Register. 

This information is now included on your credit report. 

Since 31 March 2018 lenders have submitted information on business loans such as loans to companies, partnerships, clubs and associations to the Central Credit Register. Credit reports containing this information will be available after a period of data quality assurance.

From March 2019 these lenders must request your credit report if you have applied for a loan of €2,000 or more and may request a credit report if the amount applied for is less than €2,000.

 

Hire Purchase, Personal Contract Plans & Asset Finance

From 30 June 2019, lenders who provide such loans for €500 or more must submit information to the Central Credit Register.

From October 2019, these lenders must request your credit report if you have applied for a loan of €2,000 or more and may request a credit report if the amount applied for is less than €2,000.

 

Request your credit report.