What is the Central Credit Register?
The Central Credit Register is a database that stores personal and credit information on loans of €500 or more. It is operated by the Central Bank of Ireland under the Credit Reporting Act 2013. The Central Bank has contracted with CRIF Ireland Ltd, a wholly owned subsidiary of CRIF Italy S.p.A. to operate the Central Credit Register on its behalf.
The Central Credit Register supports the Central Bank’s obligations and functions, including consumer protection, supervising the financial sector and ensuring financial stability. More information on uses of Central Credit Register data is here.
Lenders submit personal and credit information on existing loans for €500 or more to the Central Credit Register. Lenders also submit personal and credit information on loan applications for €2,000 or more. See list of lenders here.
The Central Credit Register processes this data to build and maintain an accurate and up-to-date credit report for each borrower. View a sample credit report on our publications page.
The Central Credit Register provides credit reports to borrowers and lenders on request. A "footprint" is recorded each time a credit report is issued to a lender or a borrower.
Find out how to apply for your credit report or exercise any of your rights, free of charge.
No other person such as your spouse/partner, friend, relative, employer, financial advisor or landlord can obtain your credit report without your consent. Such a person is called a third party.
If you wish to give your consent to a third party, or if you are acting as a third party, read our third party factsheet before submitting a request for a credit report.
Lenders must request your credit report if you have applied for a loan of €2,000 or more.
Lenders also have the right to request your credit report if you have:
- applied for a loan less than €2,000
- asked for a re-structure of an existing loan
- arrears on an existing loan
- breached the limit on a credit card or overdraft
The Central Credit Register does not:
- decide if a loan is approved or not – the lender makes that decision
- calculate a credit score on credit reports.
The Central Bank owns the information held on the Central Credit Register and is a data controller under the Data Protection Acts. Read our Data Protection Statement.
Browse this website for more information about the Central Credit Register or read our factsheets.