Credit Reporting Act 2013
Central Credit Register
5. (1) The Bank shall establish, maintain and operate a database of information to be known as the Central Credit Register (referred to in this Act as the “Register”).
(2) The Bank may hold on the Register—
(a) personal information in relation to a credit information subject,
(b) credit information which relates to any credit application or credit agreement made by a credit information subject or any credit agreement in connection with which the credit information subject is a guarantor,
(c) details linking any credit information subject who has made a credit agreement for the provision of credit with any other credit information subject who has given a guarantee or indemnity in connection with the credit agreement or also has liabilities under the credit agreement, and
(d) credit scores and other analyses produced by the Bank in relation to a credit information subject.
(3) The credit information that the Bank may hold on the Register also includes general reports, analyses and statistics produced by the Bank from which credit information subjects cannot be identified (referred to in this Act as “anonymised information”).