The Central Credit Register is being implemented on a phased basis.
Ever month from 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.
The Central Credit Register started with credit cards, mortgages, overdrafts and personal loans. Other types of loans may be added in the future. Find out what is included on the Central Credit Register.
Lenders have a legal obligation to request your credit report if you have made a loan application for €2,000 or more from September 2018.
From 31 March 2018, licensed moneylenders and local authorities are submitting personal and credit information on consumer loans of €500 or more existing on 31 March 2018 to the Central Credit Register. These lenders have until 30 September 2018 to submit this information, with all information backdated to 31 March 2018.
This information will be contained on credit reports and these lenders may access credit reports once they have started submitting information to the Central Credit Register.
Information on business loans such as loans to companies, partnerships, clubs and associations is also being submitted to the Central Credit Register from 31 March 2018. These lenders have until 30 September 2018 to submit information on these loans with all information backdated to 31 March 2018. Credit reports containing this information will be available after a period of data quality assurance.
From March 2019 these lenders will also have a legal obligation to request a credit report for loan applications of €2,000 or more. Lenders will be able to request a credit report when: You have made an application for a new loan; You have applied to have your existing loan restructured; You have arrears on your existing loan or have breached the limit of a credit card or overdraft.
Request your credit report