File a CCR Amendment
Step-by-step guide · 8 min read
What you'll need
- Your CCR report showing the error
- SAR data from the lender (if available)
- Any evidence of write-off dates, payments, or account closure
- Your PPS number
Get your CCR report first
Before you can file an amendment, you need your CCR report showing the error. If you don't have it yet, request it from centralcreditregister.ie. It's free and takes up to 5 working days.
Identify the specific error
Be clear about exactly what is wrong. Common errors include:
- Written-off debt showing as “Active” instead of “Closed”
- Incorrect outstanding balance
- Data that has exceeded the 5-year retention period
- Payment history errors
- Accounts you don't recognise
Go to the CCR amendment section
Visit centralcreditregister.ieand navigate to the amendment section. Do NOT email — you must use their official amendment process. Select the specific entry you're disputing.
Write your amendment reason
In the reason field, be specific and factual:
- State exactly what is wrong (e.g., “This loan was written off on [DATE] and should show as Closed, not Active”)
- Cite the relevant law (Credit Reporting Act 2013 — 5-year retention from write-off)
- Reference any evidence you have (SAR data showing internal write-off date)
Tip:If you have SAR data showing the internal write-off date contradicts what's on the CCR, mention this explicitly. It's your strongest evidence.
Attach supporting evidence
Upload any evidence that supports your amendment:
- SAR data showing internal write-off dates
- Payment records
- Correspondence with the lender
- Account closure confirmations
Submit and wait — the lender has 20 working days
After you submit, the CCR forwards your amendment to the lender. They have 20 working days to respond. They must either correct the data or provide reasons for refusing. Note the date you submitted and set a reminder.
If declined — file a formal complaint
If the lender declines your amendment, don't stop. Your next steps are:
- File a formal complaint directly with the lender (this starts the 40-business-day FRL clock)
- Send a SAR if you haven't already — get their internal records
- File a DPC complaint for inaccurate data processing (GDPR Article 5(1)(d))
- Once you have the FRL (or 40 days pass), file an FSPO complaint
Important: Run the FSPO and DPC complaints in parallel. They cover different issues and both strengthen your position.
What happens next
If the amendment is accepted, the CCR data will be corrected. If declined, you now have a clear paper trail to escalate through the formal complaint → FSPO route. The declined amendment itself becomes evidence in your FSPO case.
Need help with your specific case?
Our guides cover the process — but every case is different. If you want someone to review your situation and tell you exactly what to do next, we can help.
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Related Guides
Get Your Credit Report
Request your free CCR report and learn how to read it and spot errors.
Read guideMake a Formal Complaint
Write and submit a formal complaint to your financial provider.
Read guideFile an FSPO Complaint
File a complaint with the Financial Services and Pensions Ombudsman.
Read guide