The Central Credit Register was implemented on a phased basis. 

From 30 June 2017 

From 31 March 2018 

From 30 June 2019 

 Credit cards

 Business Loans

 Hire purchase


 Local authority loans



 Licensed moneylenders

 Asset finance

 Personal loans




Lenders must request your credit report of you have applied for a loan of €2,000 or more. Lenders may request a credit report if the amount applied for is less than €2,000.
A lender 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

Request your credit report.