The Central Bank is responsible for the operation of the Central Credit Register under the Credit Reporting Act 2013. Under the Act lenders are required to submit personal and credit information to the Central Credit Register every month.
In order to produce full and accurate credit reports, the Central Bank expects that all lenders comply with their reporting obligations under the Act. This includes having in place robust policies and procedures to ensure all data submitted to the Central Credit Register is accurate, complete and up to date.
Lenders may find that information which was not accurate, complete or up to date was reported to the Central Credit Register in error. If this happens, the Central Bank requires that we are notified of the error and further expects that such errors are corrected as a matter of priority by the lender.
Lenders may under data protection provisions also be required to write to you explaining what has happened and what action they have taken to correct the errors. This may also require a report being made to the Data Protection Commission by the lender and at the Central Bank.
You can apply for your credit report free of charge (subject to fair usage).
If you have identified information on your credit report that is inaccurate, incomplete or not up to date, you may apply to have this information amended Find out more information and start the application here.
If you believe your personal information (name, address, date of birth, PPSN, address(es)) is incorrect, incomplete or not up to date you should refer back to your lender(s) to have this information corrected.
If you believe your credit information (anything in the Contract Data area or the Performance Data area of your credit report) is incorrect, incomplete or not up to date, you may request an amendment with your lender directly or request an amendment to the Central Credit Register. You can start your online application here.
If a loan is missing from your credit report, you may apply to have the information amended. You can start your online application here.
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