What is included on the Central Credit Register?

Types of Borrower

Types of borrower included on the Central Credit Register are:

  • Companies
  • Consumers
  • Individuals
  • Partnerships
  • Sole traders

Types of borrower can also include any other entities that are resident in the State at the time of making the credit application such as clubs or associations, or where the credit agreement is governed by Irish law. Guarantors who provide guarantees or indemnities will also be included in the future.

Types of Lender

Credit Information Providers, or lenders included on the Central Credit Register:

  • Asset finance houses
  • Banks
  • Credit Unions
  • Firms that have acquired loan books from Irish financial institutions in recent years
  • Licensed moneylenders
  • Local authorities
  • NAMA

The most recent list of Credit Information Providers is here

Types of Loan

Loans are included on the Central Credit Register if the loan is for €500 or more and:

  • The borrower lives in the State at the time of applying for a loan or
  • The loan agreement or loan application is governed by Irish law.
Types of loans included What is not included
From 30 June 2017 From 31 March 2018 From 30 June 2019
Credit cards Business loans Hire purchase Utility bills
Mortgages Local authority loans PCPs Pawnbrokers
Overdrafts Licensed moneylenders Asset finance Income/Salary information
Personal loans Tax liabilities
          Deposit accounts
Insolvency Service of Ireland
The Courts Service records