Information for Guarantors

The Credit Reporting Act 2013 and the Regulations provide the legal basis for the collection and processing of credit and personal information.

From 1 February 2025, lenders must submit personal and credit information for guarantees for loans entered into or after 1 February 2025.

If you have provided a guarantee for a loan for another person, or are in the process of doing so, a lender has a right to request a copy of your credit report.

Your credit report will contain full information on those loans in your own name, and limited information for any loans you have guaranteed.

Your role in a loan, whether you are a borrower, co-borrower, or guarantor will be shown on the credit report.

Sample credit reports are available to view here.