The Central Credit Register (CCR) is a new secure system, established by the Central Bank of Ireland, for collecting personal and credit information for loans of €500 or more.

When you apply for a new Avantcard loan, you will need to provide us with a copy of official documents showing both your full name and your PPSN (Personal Public Service Number).

What documents are acceptable?

  • Payslip, P60/P45
  • P21, Tax Assessment or Notice of Tax Credits
  • Receipt of Social Welfare Payment
  • Medical Card / Drug Payment Scheme (DPS) Card
  • Any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to you showing your PPSN

**Please do not submit a copy of your Public Service Card as Avantcard may not legally use a Public Service Card for the purposes of verifying a PPSN.

What do I need to do?

  • Fill in your personal loan application form with your PPSN along with a valid mobile and email address.
  • If you are approved for a loan, you will be asked to provide evidence of your PPSN by uploading one of the approved documents above.

WARNING: Once approved in principle, if you are unable to provide a document to verify your PPSN, you will be unable to access your credit facility.

What the CCR means to my loan application?

From 30 June 2017, lenders who provide consumer loans (credit cards, mortgages, personal loans and overdrafts) have submitted information to the Central Credit Register.

The Central Credit Register processes data to create and maintain an accurate and up-to-date credit report for each borrower.

Credit reports may be requested by borrowers and lenders. Each request is recorded on the credit report as a footprint.

From 30 September 2018 Avantcard are regulated by the Credit Reporting Act 2013 to complete a CCR enquiry as part of the assessment of your loan application. This will leave a footprint on your CCR credit file. If your loan is approved the details on the performance of your loan will be submitted to the CCR on a monthly basis.

Your credit report does not tell you if you can be approved for a loan.

The Central Credit Register does not decide if a loan is approved or not – the lender makes that decision; score or grade credit reports.

PPSN Capture and Verification

When you apply for a loan Avantcard must collect your Personal Public Service Number (PPSN) and must verify that this is correct against an official document as follows:

  • Payslip, P60/P45
  • P21, Tax Assessment or Notice of Tax Credits
  • Receipt of Social Welfare Payment
  • Medical Card / Drug Payment Scheme (DPS) Card
  • Any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to you showing your PPSN

**Please do not submit a copy of your Public Service Card as Avantcard may not legally use a Public Service Card for the purposes of verifying a PPSN.