For the complete documentation index, see llms.txt
For the complete documentation index, see llms.txt
Zinc
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Ireland Credit Judgment & Litigation Check
## Who is the source of financial integrity check data in Ireland?
Financial Institutions of Ireland
## What is the process in Ireland?
The requesting party will request the check from the ATS or their Zinc account.
- Automated instructions are delivered to provide some personal details in a dynamic web form
- Zinc submits the request to the authorities
- Zinc received the results (digitally) and provides a signed digital report
- The candidate receives a notification to say the process is completed
## What details are required to submit the check?
- First Name
- Last Name
- Birth Date
- Consent
- **Address**
- Full last registered address in Ireland
- **Town**
- Last registered town in Ireland
- **Postcode**
- Last registered postcode in Ireland
## What is covered in the financial integrity check?
The Financial Integrity verification process in Ireland provides information on the bad and
non-payment credit history of individuals lawfully residing in Ireland. The data is sourced from
CRIF Vision‑net Ireland, a credit bureau authorised to provide consumer risk reports in the
jurisdiction. CRIF consolidates information from multiple sources, including the Central Credit
Register (CCR), court judgment registers, and other public and commercial registries.
The report includes the following information:
- Consumer bad debt judgments
- Debt settlement arrangements
- Debt relief notices
- Protective certificates
- Revenue defaulters list (covering individuals who have defaulted on tax returns)
This scope is limited to credit and payment history records from the last 5 years, consistent with standard credit reporting practices for loan and account information.
This verification leaves no footprint on the individual’s credit report and does not affect their creditworthiness.
## Restrictions, Exclusions, Limitations
- Debt Relief Notices are reported only for individuals who have entered into a Debt Relief
Agreement with a financial institution where the value of the finance was less than €20,000.
- Personal Insolvency Arrangements are reported for individuals who have entered into such arrangements with secured finance in default, up to a value of €3 million. There is no limit for unsecured arrangements.
- Protective Certificates are reported for individuals who have sought protection from creditors in order to enter into an Insolvency Arrangement. The Protective Certificate is issued by the Circuit Court for cases up to €2.5 million and by the High Court for larger cases, providing the individual and their assets protection from legal proceedings while applying for Debt Settlement Arrangements (DSA) or Personal Insolvency Arrangements (PIA)
- The credit report cannot be shared with another party, as it contains additional information not covered by the consent provided for the purposes of a credit check.
## What is the period covered by the check?
- Records relating to credit and loan accounts generally cover a period of up to 5 years, in line with Irish credit reporting regulations. Specifically, information on credit accounts is retained for a maximum of five years following repayment, discharge, or write-off of the
debt. This retention period ensures that historical credit events from loan and account histories are captured while complying with the legally permissible timeframe.
- However, public records such as bad debt judgments, debt settlement arrangements, debt relief notices, protective certificates, and Revenue defaulters are not subject to the 5-year limitation and may appear in reports regardless of when they occurred.
## What is the expected turnaround time?
[Here](https://zincwork.com/turnaround-times)
## How do I enable this check?
To enable this check, please turn on the **Credit Judgement & Litigation check** inside the **Package Editor**.
## Privacy statement
The details contained in this report should not be used as the sole reason for making a decision. Zinc Work Ltd is not liable for any inaccuracies or incompleteness in the information appearing in this report since it is provided to Zinc Work Ltd by third parties. This report has been produced for the purchaser of the report and Zinc Work Ltd will have no liability to loss.
