The Central Credit Register - Consumer Guide

The Government gave a commitment to the IMF to develop a legal framework that would facilitate the collection and centralisation of information on credit, which has resulted in the creation of the Central Credit Register (the Register). The Register is a secure database established and controlled by the Central Bank of Ireland, under the Credit Reporting Act 2013. It is used to collect and store personal and credit information on loans of €500 or more from lenders. From 30 June 2017 and every month after that, your lenders will submit information to the Register to enable the updating of your comprehensive credit report. Your credit report will help lenders when it comes to making decisions about your loans and loan applications. The Register will promote greater financial stability by supporting a full and accurate assessment of loans and loan applications.

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