How to Check Your Credit Report in Ireland for Free (Central Credit Register)

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Last reviewed: October 17, 2026 by the Smart Savings Guides editorial team. How we research and update articles.

In Ireland, the official record of your loans is held by the Central Credit Register (CCR), which is run by the Central Bank of Ireland. You can get your own credit report from it free of charge. You don't need to pay a website or app to see it.

General information, not financial advice. We're not regulated by the Central Bank of Ireland and don't recommend specific financial products. Rates, prices and rules change, so check the provider and the official sources linked on each page.

Quick answer

Cost: free, at any time, subject to "fair usage": repeated, excessive requests can be refused or charged for (CCR fees page).
Where: apply online on the Central Credit Register borrower area, or by post if you can't complete it online.
What you need: your name, address and PPS number, plus copies of identity documents.
No score: the CCR doesn't score or grade your report. Each lender decides using its own lending policy.

What's on your credit report

The CCR holds personal and credit information on loans of €500 or more. It started recording loans on 30 June 2017 and has added more loan types since. According to Citizens Information, it includes:

Credit cards, mortgages, overdrafts and personal loans (from June 2017)
Local authority loans, moneylender loans and business loans (from March 2018)
Hire purchase, asset finance and personal contract plans, or PCPs (from June 2019)

For each loan you'll see the type, the lender, the amount, the outstanding balance, any overdue payments, and the date and amount of the next payment. The report also lists "footprints": each time you or a lender looked at your report, with the date, lender and reason.

How long information stays

Loan information is held for up to five years at any time, and for five years after a loan is paid off. Lenders see detailed payment information for the most recent two years, plus limited key indicators for five years (CCR retention of information).

How to apply, step by step

Go to the CCR borrower area and start an application for your credit report.
Choose how you want to receive it.
Sign the completed application form and upload it with copies of your ID documents (the site lists which documents it accepts).
Track the request with the CCR's "check my request" option.

What to look for

Loans you don't recognise, which could mean a mistake or impersonation.
Payments shown as overdue that you paid on time.
Footprints from lenders you never applied to.
Balances that don't match your statements.

Found a problem? See how to correct your report and improve your credit history.

Optional: free printable bills tracker + complaint letters

A printable kit from our UK sister site: a household bills and contract-end tracker, fill-in complaint letters and an annual review checklist. The tracker and letters work anywhere, but the escalation steps in it are written for the UK. In Ireland, escalate to the CRU (energy), ComReg (phone and broadband) or the FSPO (financial services).

Unlock the bills tracker + letter templates (requires trying a sponsored offer)

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Free: the 15-minute subscription check-up

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Frequently asked questions

Is there a credit score in Ireland?

The Central Credit Register doesn't give a credit score or rating. Lenders look at your report and decide using their own criteria, such as your income and outgoings.

How much does a credit report cost in Ireland?

Nothing. Individuals can request their Central Credit Register report free at any time, as long as requests aren't excessive.

Who can see my Irish credit report?

Lenders can access it when you apply for credit. Others, such as employers or landlords, can't see it without your consent.

Sources

Official sources this article relies on, checked October 17, 2026. Rules and prices change, so confirm details at the source.

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