Explanatory Statement

You have the right to place an explanatory statement of not more than 200 words regarding your credit information held on the Central Credit Register.

The Explanatory Statement must:

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

It should not contain:

  • information that could identify another individual (such as their name, their workplace or their relationship to you);
  • obscene or defamatory (damaging) statements about another person.

The Central Bank of Ireland cannot take responsibility for any Explanatory Statement that you publish. This is in line with Section 13 of the Credit Reporting Act 2013.

Your Explanatory Statement will be visible when a lender, you or a person to whom you have given consent asks for your Credit Report.  

The Explanatory Statement is not a means of making a complaint, or the means to request an amendment to information. Information on how to make a complaint is available at https://www.centralbank.ie/contact-us/make-a-complaint.

Use the buttons below to start a new request or check the status of your existing request.



To complete your form online please follow the simple on screen instructions.

If you are unable to complete this process online, you may download an application form. Please complete and return it and all required documentation by post to the Central Credit Register.

A postal request will take longer to process than an online request.