Credit Insights FAQs

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What is Credit Insights?

Credit Insights is a database service available to the telecommunications providers participating in the Credit Insights initiative. The database contains some details of individuals who have not paid their bills with the participating telecommunications providers and have been in arrears for a minimum of 90 days. The telecommunications provider of the defaulting individual submits the defaulter details to the database.

The Credit Insights database is accessible by the participating telecommunications providers only when individuals are seeking to enter a new contract with that service provider.

Which types of customers qualify for Credit Insights?

Only consumer bill pay customers who have agreed to the Credit Insights terms and conditions.

How will I know if eir have submitted my details to the Credit Insights database?

eir will write to every qualifying customer at least 28 days before loading their details into Credit Insights. This gives the customer sufficient time to pay their bill and avoid their details being loaded in to the database.

What is the definition of default?

The definition of default is past due 90 days and the amount owed is above the minimum limit.

Is there a minimum limit of arrears for addition to Credit Insights?

Yes, the minimum limit is €50.

What personal data will be added to Credit Insights?

The personal data that will be added to Credit Insights is:

  • Name
  • Address
  • Date Of birth
  • Account type
  • Account number
  • Date of default
  • Default amount (Minimum €50)
  • Current account status
  • Account start date
  • Debt cleared date (where relevant)

How long will my data be retained in Credit Insights?

Six years after submission to the Credit Insights database.

Which telecommunications service providers are participating in Credit Insights?

The participating telecommunications service providers are:


Who is operating the Credit Insights database?

The Credit Insights database is operated by Experian.

How can I check if their data is in Credit Insights?

Any customer of eir whose data has been uploaded to Credit Insights will have received notification of this at least 28 days in advance of the upload.

My data is incorrect, how do I have it rectified?

The Data Protection Acts, 1988 and 2003 give you the right to correct information held about you in certain circumstances.

How can I make a subject access request to eir for a copy of the data held about me in Credit Insights?

You have a right to request a copy your data. Requests should be in writing and should be addressed to the Data Protection Officer, eir, 1 Heuston South Quarter, St. John’s Road, Dublin 8. We will charge you an administrative fee in respect of any such request.

I have other privacy questions, who do I contact?

The Privacy Notice applicable to your agreement with eir is contained in your terms and conditions.
The Privacy Notice contains information about Credit Insights.

I have a dispute with eir, will my data be uploaded into Credit Insights?

eir will take all reasonable steps to resolve all customer complaints before loading any data into Credit Insights.