Credit Report

Yes they are different.

Personal information:

If your PPSN has been reported to the Central Credit Register it will be included on the credit report that you get but it will not be included on the credit report that is accessed by your Lender.

Credit Information: 

Your lender will only ever see the most recent 2 years of repayment history while your own credit report will contain a maximum of the most recent 5 years repayment history.

For an active loan (one where payments are being made, or are expected to be made), a lender will see the most recent two years of credit performance information. For a closed loan (one where all payments have been discharged, or the loan closed off by the lender), a lender will see the final 2 years of credit performance information.

When the oldest information reaches five years old, each separate entry will be deleted month by month thereafter. The closed loan information will be completely removed from the credit report five years after the last payment was made.

For example, if you pay off a loan in January 2020, the lender will see information back to January 2018. They will continue to see this information until Jan 2023, when the oldest information (i.e. the information as at January 2018) begins to delete on a monthly basis. The entire record will have been deleted by January 2025.

The name of all your different lenders will be included on the credit report that you get but your lender will not see the name of any other lenders.

Each lender has their own credit policy. While the information on your credit report will be important, lenders will also take into consideration your income, and other outgoings, such as rent or utilities.

No. The Central Credit Register produces credit reports only, and cannot give legal or finance advice. If you wish to seek professional financial advice, you should refer to one of the Central Bank’s Registers of authorized firms, available on the Central Bank of Ireland website.

No, the Central Credit Register does not score or grade credit reports. Your lender will make a decision on your loan application based on their own credit policy.

 You should provide your current address, and your most recent address and any other address you believe is associated with any loans you have or may have had.

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. 

If a loan is missing from your credit report, you may request an amendment to the Central Credit Register. 

If you wish to place an explanatory statement on your credit report at any time, please see our factsheet ‘placing an explanatory statement on my credit report’ and follow the instructions to complete your request. The Explanatory Statement must:

  • be no longer than 200 words;
  • be factual;
  • be in English or Irish only;
  • relate only to you;
  • relate only to your information held on the Central Credit Register.

It should not contain:

  • information that could identify another individual (such as their name or workplace);
  • obscene or defamatory (damaging) statements about another person;
  • frivolous, vexatious or derogatory content;
  • offensive or abusive language;
  • content to cause the Central Credit Register to be non-compliant with any provision of law.

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.

Find out more information on what is included on the Central Credit Register.

No person such as your spouse/partner, friend, relative, employer or landlord can obtain your credit report without your consent.

Information submitted by your lender(s) each month is used to create a credit report which is stored on the Central Credit Register.

The Central Credit Register is a national database that, on request provides:

  • a borrower with an individual credit report detailing their credit agreements;
  • a lender with comprehensive information to help with credit assessments; and
  • the Central Bank with better insights into national trends in the provision of credit.

The Central Credit Register also supports the Central Bank’s obligations and functions, including consumer protection, supervising the financial sector and ensuring financial stability.

For more information see our data protection page.

You may complete the online application form to request your credit report at https://www.centralcreditregister.ie/borrower-area/submit-a-request.

You must print and sign your completed application form and upload it with your identification documents.

If you are unable to complete an online application, please refer to our Contact Us page.

Borrowers who are individuals can submit a request for their credit report at any time free of charge, subject to such requests not being excessive in with the with General Data Protection Regulation. This is called 'fair usage'. Borrowers who are not individuals (for example companies) may submit a request for a credit report once a year free of charge. There will be a charge of €6.35 for any subsequent request within the year.

We need you to prove your identity to proceed with your request. This ensures that your data protection rights are upheld.

The Credit Reporting Act 2013 and the Regulations provide the legal basis for the collection and processing of personal information, including PPSNs. The Central Bank of Ireland consulted with the Office of the Data Protection Commissioner in advance of publishing these Regulations as provided for in the Act. As with all personal information provided to the Central Credit Register when making a request this will be used to locate your credit report.

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