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 are included from 1 February 2025.

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
High Cost Credit Provider
Local authorities
NAMA

The most recent list of Credit Information Providers is here

Types of Loans Included

Credit cards
Overdrafts
Mortgages
Personal loan
Business loans
Local authority loans
High cost credit provider loans
Hire purchase
PCP
Asset finance Loans

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.