What is included on the credit report

 

A credit report contains your personal and credit information.

PERSONAL INFORMATION includes

CREDIT INFORMATION includes

Name (forename & surname)

Current and previous addresses

Date of birth

Personal public service number(PPSN)

Gender

Eircode

Telephone number

Type of loan (credit card, mortgage, overdraft)

Name of the lender

Amount of the loan

Outstanding balance

Number of overdue payments, if any

Date of next payment

Amount of next payment

 

Each month personal and credit information is submitted by your lender to the Central Credit Register.

Personal information ensures that all your loans that you may have with different lenders are correctly matched on the Central Credit Register.

Credit information includes positive credit information, for example that a payment has been made; and negative credit information, for example that a payment has been missed. This information is submitted by your lender in order to build your credit history and create your credit report.

View a sample credit report.