What is included on the Central Credit Register

This page explains who and what is included on the Central Credit Register. It covers the types of borrowers and lenders involved, as well as the kinds of loans that are recorded. Understanding this information will help you know how your credit information is collected and managed.

Types of Borrowers

The Central Credit Register includes various types of borrowers:

  • Individuals and Consumers: People who borrow for personal reasons.
  • Companies: Corporate entities that take out loans.
  • Sole Traders and Partnerships: Business owners operating individually or in partnership.
  • Clubs and Associations: Other entities resident in the State at the time of making a credit application.
  • Guarantors: From 1 February 2025, guarantors who provide guarantees or indemnities will also be included.

Types of Lenders

Lenders, known as Credit Information Providers, who submit data to the Central Credit Register include:

  • Banks
  • Credit Unions
  • Asset Finance Houses
  • Local Authorities
  • High Cost Credit Providers
  • Firms that have acquired loan books from Irish financial institutions
  • NAMA (National Asset Management Agency)

Types of Loans included

The Central Credit Register records loans of €500 or more, such as: 

  • Mortgages
  • Credit Cards
  • Overdrafts
  • Personal Loans
  • Business Loans
  • Local Authority Loans
  • High Cost Credit Provider Loans
  • Hire Purchase Agreements
  • Personal Contract Plans (PCP)
  • Asset Finance Loans

Loans are included if:

  • The borrower lives in the State at the time of applying for the loan, or
  • The loan agreement or loan application is governed by Irish law.