Central Credit Register
 

The Central Credit Register (CCR) collects information from lenders on credit applications and credit agreements of €500 or more. The CCR gives customers 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 the CCR website. 

The Credit Reporting Act 2013 provides you with four important rights. You can:

1. Ask for a free credit report.

2. Place an 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 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 AIB credit product or act as a guarantor, you may need to provide us with an original or electronic version (for example a PDF or photo) of a document showing both your PPSN and full name. If you are acting as a Guarantor and you are not already a customer of AIB you will also need to provide proof of identity including address confirmation.

Personal Customers - which documents are acceptable to verify your PPSN?

• 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 The Health Service Executive (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 or the Revenue Commissioners addressed to you showing your PPSN

If you are resident in Ireland, we can only accept a PPSN.

If you are resident outside of Ireland, you can provide a PPSN or Non Irish Tax Reference Number (TRN). You will need to provide us with an original or electronic version (for example a PDF or photo) of a document issued by the relevant tax authority. This tax reference document must show both your TRN and full name.

Please ensure that:

• The uploaded or scanned document is legible; and

• 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.
   

Please note that:

• AIB cannot legally use a Public Service Card for PPSN verification.

• If you are unable to provide a document to verify your PPSN/TRN at the time of application, you may need to provide it before you can avail of your credit or in the case of your mortgage application, before you obtain a mortgage loan offer.

   

How do I provide AIB with this document?

• You can visit any AIB branch and provide a paper copy of your document.

• If registered for Online Banking, you can simply upload a PDF or photo of your document by selecting 'Verify PPSN' on the Services & Settings menu.
   

Business Customers – which documents are acceptable to verify your details?

• If you are a Sole Trader or Partnership you can follow the same steps (as outlined above for personal customers) to provide your PPSN or TRN and have this information verified. Sole traders may also supply a Tax Clearance Certificate from the Revenue Commissioners to verify their PPSN.

• If you are a company registered with the Companies Registration Office (CRO) we will automatically check and verify your CRO Number, name of your business and registered address as part of our credit application process. You should not have to provide us with any additional documentation to verify this information.

• If you are another business customer type (e.g. an incorporated society/charity, club or association) you will need to provide us with a document which confirms either your Business Registration Number, Legal Entity Identifier (LEI) or TRN (whichever is applicable) along with the name of your business and address. This document may be a Certificate of Incorporation, Tax Clearance Certificate or any other tax reference document issued by the Revenue Commissioners or other relevant tax authority in respect of that tax type (in the case of a TRN).

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. If you want more information on how AIB use, share and keep your information please see our data protection page.