What is the Central Credit Register?

The Central Credit Register is a database which collects and stores information about loans (including overdrafts, mortgages and credit cards). It is run by the Central Bank of Ireland under the Credit Reporting Act 2013.

What does the Central Credit Register do?

  • Keeps a record of your credit history and current credit performance
  • Provides you with a credit report showing details of your credit agreements and current credit performance
  • Allows Bank of Ireland and other lenders to carry out a credit enquiry when you apply for a business loan including an overdraft, credit card, or mortgage.

What does Bank of Ireland need to carry out a CCR credit enquiry?

In order to perform a credit enquiry, Bank of Ireland must collect your identification details. Individuals such as personal customers, sole traders and farmers must provide their Personal Public Service Number (PPSN). Non-individuals, such as companies or partnerships, must provide a Company Registration Office Number (CRO) or Tax ID in some cases. This is a legal requirement.

What information does the Central Credit Register hold?

The Credit Reporting Act requires all lenders to submit customer and credit information to the Central Credit Register on loans of €500 or more including: overdrafts, mortgages and credit cards.

Bank of Ireland Finance (BIF) and other lenders will submit details to the Central Credit Register on any Hire Purchase agreements (including Personal Contract Plans), asset finance, leases and similar lending worth €500 or more.

The Central Credit Register will show a borrower’s credit history and current credit performance to help us and other lenders with lending decisions.

For more information on the Central Credit Register, visit www.centralcreditregister.ie.

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