Retention of Information

The Central Credit Register has been implemented on a phased basis, and started with consumer loans such as credit cards, mortgages, overdrafts and personal loans on 30 June 2017. Information has been submitted on a monthly basis since then.

Since 31 March 2018 moneylender loans, local authority loans and business loans have been included on the Central Credit Register.

Since 30 June 2019 information on hire purchase, personal contract plans (PCPs) and asset finance will be included on the Central Credit Register.

This snapshot submitted each month includes information such as of number of overdue payments if any, and amount outstanding.