Background Go to main content An suomh teanga: Gaeilge English Gaeilge(bail) Dan Teagmhil Linn Cuardaigh menu Nascleanint lithrein Iasachtaithe Fo-roghchlr de Iasachtaithe Iarratas a Chur Isteach Diarratas a bhainisti Ceisteanna Coitianta Dan Teagmhil Linn Foilseachin Cosaint Sonra Faisnis a Choinneil Eolas Finne Fo-roghchlr de Eolas Finne Eolas Finne Clra Liosta De Sholthraithe Faisise Creidmheasa Cad at ar ireamh Eolas do Rthir An chaoi ina n-oibronn s An Creat Dlthiil Till agus Tobhaigh Iasachtir Fo-roghchlr de Iasachtir Eolas Ginearlta Clrchn Nua Ceisteanna Coitianta Treoir logil Isteach Iasachtir Search Cuardaigh Cuardaigh Dhnadh Baile Eolas Fúinne T t anseo: Cúlra Cúlra Is bunachar sonraí é an Príomh-Chlár Creidmheasa a bhíonn á oibriú ag Banc Ceannais na hÉireann agus a mbíonn faisnéis phearsanta agus chreidmheasa á sealbhú aige i ndáil le hiasachtaí €500 nó níos mó. Tacaíonn sé le hoibleagáidí agus feidhmeanna an Bhainc Ceannais, lena n-áirítear cosaint tomhaltóirí, an earnáil airgeadais a mhaoirsiú agus cobhsaíocht airgeadais a chinntiú. Mínítear ar an leathanach seo cad atá i gceist leis an bPríomh-Chlár Creidmheasa, an chaoi ina n-oibríonn sé, agus conas is féidir leat rochtain a fháil ar d’fhaisnéis chreidmheasa. Cad an Promh-Chlr Creidmheasa? An chaoi ina n-oibronn an Promh-Clr Creidmheasa Rochtain a fhil ar do Thuarascil Chreidmheasa Oibleagid Iasachtir Cosaint Sonra Tuilleadh Faisnise Céard é an Príomh-Chlár Creidmheasa? Is bunachar sonraí é an Príomh-Chlár Creidmheasa a bhíonn á oibriú ag Banc Ceannais na hÉireann faoin Acht um Thuairisciú Creidmheasa 2013. Stórálann sé faisnéis phearsanta agus chreidmheasa i ndáil le hiasachtaí €500 nó níos mó agus cuireann sé tuarascálacha creidmheasa ar fáil d’iasachtóirí agus d’iasachtaithe ach iad a iarraidh.  Taispein tras-scrbhinn fsein This video gives you an overview of why the Register has been established and how it works. It will explain who is included, what a credit report looks like, and your consumer rights. The development of the Central Credit Register is an important financial sector reform, contributing to financial stability and consumer protection. The Central Credit Register does not score or grade credit reports, and only your lender can approve a loan. The Central Credit Register will match the personal and credit information received from lenders to create a complete credit report. You can obtain a credit report at any time free of charge, subject to fair usage at www.centralcreditregister.ie. The Central Bank will act as data controller and will ensure strict security and data protection protocols are in place to safeguard borrowers' information submitted by lenders to the Central Credit Register. You can learn more about the Central Credit Register by visiting www.centralcreditregister.ie. The types of borrowers included on the Central Credit Register include companies, consumers, individuals, partnerships, sole traders. Over 500 lenders are included on the Central Credit Register, such as asset finance houses, banks, credit unions, firms that have acquired loan books from Irish financial institutions, licensed money lenders, local authorities, NAMA. The Central Credit Register will equip borrowers with information on their financial profile, provide lenders with a better analysis of borrowers creditworthiness, and support the Central Bank's role of supervising the financial sector and ensuring financial stability. Your credit report will contain factual personal and credit information only. Lenders will only be able to access your credit report when you apply for a new loan, have applied to have your existing loan restructured, have arrears on your existing loan, or have breached the limit on a credit card or overdraft. It is set out in four parts. Part one shows your personal information that has been submitted to the Central Credit Register by your lender or lenders. Part two contains a summary of your credit agreements. Part 3 presents the details of each individual loan, the type of loan, who the lender is, and a history of the repayment performance. Part 4 is called the footprint and is at the end of your credit report. It is a record of each date your credit report has been accessed, by whom, and the type and purpose of the enquiry. No other party can access your credit report without your written consent. You can request your credit report at any time, free of charge, subject to fair usage. You have the right to give an explanatory statement of 200 words or less relating to any of your information held on the Central Credit Register, and this statement will be included on your credit report. You have the right to give notice to the lender or the Central Credit Register if you reasonably believe you have been, are being, or may be about to be impersonated by any person. You have the right to make an application to correct your information held on the Central Credit Register if you believe it is an accurate, incomplete, or not up to date. For more information about the Central Credit Register, please visit www.centralcreditregister.ie. An chaoi ina n-oibríonn an Príomh-Clár Creidmheasa Baintear leas as na sonraí seo chun tuarascálacha creidmheasa atá cruinn agus cothrom le dáta a chruthú i ndáil le gach iasachtaí. Tá liosta iasachtóirí ar fáil anseo. Gach uair a eisítear tuarascáil chreidmheasa duit féin nó d’iasachtóir, taifeadtar “lorg”. Rochtain a fháil ar do Thuarascáil Chreidmheasa Tá ceart agat cóip de do thuarascáil chreidmheasa a iarraidh ón bPríomh-Creidmheasa ar a dtaispeánfar d’iasachtaí agus do stair chreidmheasa. Ní féidir le haon duine seachas tú féin agus iasachtóirí rochtain a fháil ar do thuarascáil chreidmheasa. Ní féidir le haon duine eile amhail céile/páirtí, cara, gaol, fostóir, comhairleoir airgeadais nó tiarna talún do thuarascáil chreidmheasa a fháil gan cead a fháil uaitse. Más mian leat cead a thabhairt do thríú páirtí, nó má tá tú ag gníomhú thar ceann duine éigin eile, léigh ár mbileog eolais do thríú páirtithe sula gcuireann tú iarratas isteach. Faigh amach conas is féidir leat do thuarascáil chreidmheasa a iarraidh saor in aisce nó do chearta a fheidhmiú. Iarratas a Dhanamh Oibleagáidí Iasachtóirí Ní mór d’iasachtóirí do thuarascáil chreidmheasa a iarraidh má dhéanann tú iarratas ar iasacht €2,000 nó níos mó. Is féidir leo do thuarascáil chreidmheasa a iarraidh sna cásanna seo a leanas freisin: Má dhéanann tú iarratas ar iasacht is lú ná €2,000 i d’ainm féin Má thugann tú ráthaíocht i leith iasachta €500 nó níos mó a chuirfear ar fáil do duine eile, ón 1 Feabhra 2025 Má iarrann tú athstruchtúrú ar d’iasacht reatha nó ar iasacht a bhfuil ráthaíocht tugtha agat ina leith Má tá riaráistí agat ar d’iasacht reatha nó ar iasacht a bhfuil ráthaíocht tugtha agat ina leith Má tá an teorainn ar do chárta creidmheasa nó rótharraingt, nó ar cheann a bhfuil ráthaíocht tugtha agat ina leith, sáraithe agat Ní dhéanfaidh an Príomh-Chlár Creidmheasa cinneadh i dtaobh iasacht a cheadú - is é an t-iasachtóir a dhéanfaidh an cinneadh sin. Ní thugann an Príomh-Chlár Creidmheasa scór creidmheasa. Cosaint Sonraí Is le Banc Ceannais na hÉireann an fhaisnéis a choinnítear ar an bPríomh-Chlár Creidmheasa agus is é a bheidh ina rialaitheoir sonraí faoi na hAchtanna um Chosaint Sonraí. Is féidir leat ár Ráiteas maidir le Cosaint Sonraí a léamh le haghaidh tuilleadh eolais. Tuilleadh eolais Féach ar an suíomh gréasáin seo chun tuilleadh sonraí a fháil maidir leis an bPríomh-Chlár Creidmheasa nó léigh ár mbileoga eolais. Coinnollacha side Larscil Probhideachas & Fianin Riteas Inrochtaineachta back to top