Get Your Credit Report
Step-by-step guide · 5 min read
Go to centralcreditregister.ie
Visit the Central Credit Register website. This is the official site maintained by the Central Bank of Ireland. It's free — you should never pay for your own credit report.
Click "Request your Credit Report"
On the homepage, you'll see the option to request your report. Click it and you'll be taken to a form.
Fill in your details
You'll need to provide:
- Full name (as it appears on your credit agreements)
- Date of birth
- Current address
- PPS number (Personal Public Service number — this is required)
- Previous addresses if you've moved in the last 5 years
Wait for your report
Your report will arrive within 5 working days. It will be sent to the address you provided. You can also request it digitally in some cases.
Understand what each field means
Your report shows each credit agreement with these key fields:
- Contract Phase:“Active” means the loan is ongoing; “Closed” means it's finished. A written-off debt should show as Closed, not Active.
- Outstanding Balance: What the lender says you owe. If the debt is written off, this should reflect that.
- Performance Data: Month-by-month record of whether payments were made on time. Look for errors here — missed payments that you actually made will damage your credit.
- Credit Status:Additional status information. “Not applicable” is common and worth investigating if you don't understand why it appears.
Spot errors — your checklist
Go through every entry and check for these red flags:
- ■Loans you don't recognise (could indicate fraud or unauthorised applications)
- ■Written-off debts still showing as “Active”
- ■Incorrect outstanding balances
- ■Payment history errors (showing missed when you paid on time)
- ■Data that should have been removed after the 5-year retention period
- ■Duplicate entries for the same loan
What happens next
Once you have your report, review every entry carefully. If you find errors, your next step is to file a CCR Amendment Application. If the lender has data you need to see (like internal write-off dates), send a Subject Access Request.
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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