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What happens if you seek to obtain credit from someone while you are subject to a PIA?

If you seek to obtain credit of an amount of more than €650 while you are subject to a PIA, you must inform the creditor that you are a specified debtor subject to a PIA.

You should be aware that factors such as the entry of your details on the Register for PIAs may be relevant to your credit rating and may influence any information about you held by rating reference agencies such as the Irish Credit Bureau. The Central Credit Register (the Register) is a new centralised system for collecting personal and credit information on loans.  The Central Bank of Ireland is in charge of operating the Register as set out under the Credit Reporting Act 2013. For more information see

Lenders retain the right to take into account a debtor’s credit history in assessing the merits of a credit application. This means you may find it more difficult to get credit in the future.