Central Credit Register

The Central Credit Register (CCR) collects information from banks and other financial institutions on credit and credit applications of €500 or more. The CCR gives consumers more information on their financial profile, and gives the Central Bank of Ireland insights into national trends.

You can read more information about the CCR and may ask for a copy of your individual credit report at www.centralcreditregister.ie.
 
The Credit Reporting Act 2013 provides you with four important rights.  You can:

1. Ask for a free credit report.
2. Place and Explanatory statement on your credit report.
3. Ask to have your information amended.
4. Place a Notice of Suspected Impersonations.

You can read more information about each of your rights in the borrower area of the CCR’s website at www.centralcreditregister.ie where you will also find more information about how the CCR works and the information we must submit (e.g. Personal Public Service Number (PPSN) and telephone number). This detail is outlined in the CCR Factsheet “Knowing how the Central Credit Register works”. 

Please note you are also obliged to advise us about aggregate foreign debt of more than €5,000 (if applicable) on making a credit application.

If you wish to apply for an EBS Mortgage product you will need to provide us with an original or electronic version (for example, a PDF or photo) of a document showing both your Personal Public Service Number (PPSN) and full name.
 
Which documents are acceptable?

• P60 / Employment Detail Summary
• P45
• P21 / Statement of Liability
• Payslip
• Tax Assessment
• Notice of Tax Credits
• Receipt of Social Welfare payment
• Medical Card, Drug Payment Scheme (DPS) Card, European Health Insurance Card (EHIC) or other HSE issued cards (but only if the PPS Number is specifically quoted and labelled as such on same)
• Correspondence from the Department of Employment Affairs and Social Protection addressed to you showing your PPSN
• Correspondence from the Revenue Commissioners addressed to you showing your PPSN

If you do not have a PPSN, you will need to provide us with an original or electronic version (for example, a PDF or photo) of a document showing both your Tax Reference Number (TRN) and full name, for example:

• Tax clearance certificate from the Revenue Commissioners
  
• any other tax reference documentation issued by (i) the Revenue Commissioners or (ii) other relevant tax authority in respect of that tax type.

We are required by law to collect and verify your PPSN / TRN as this is required by the Central Bank of Ireland's Central Credit Register for customer identification.

1. From 30th September 2018, you can visit any EBS office and provide a paper copy of your document.
   
2. Alternatively, you can email the document to your EBS Mortgage Coordinator.

• The uploaded or scanned document is legible
• The original or electronic version of the document you provide is one of the documents listed above which notes your PPSN/TRN and your full name.

• If you are unable to provide a document to verify your PPSN/TRN at the time of application, you will need to provide it before you obtain a mortgage loan offer
• EBS cannot legally use a Public Service Card for PPSN verification.

The CCR is owned and operated by the Central Bank of Ireland. For more information, including on how your data is processed, see the frequently asked questions (FAQ) in the borrower area of the CCR website www.centralcreditregister.ie If you want more information on how EBS use, share and keep your information please click here.