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057 86 22594 | All incoming and outgoing calls are recorded for training, regulatory and quality purposes
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  • What does your Credit History mean for you?
What does your Credit History mean for you?

18 January 2025

What does your Credit History mean for you?

When you take out a loan in any credit institution, the details of the loan and the repayments you make on it are recorded on the Central Credit Register ("CCR").

When you apply for credit (loan, mortgage, hire purchase etc.), the lender may check your credit report on the CCR to see if you have a good history of making repayments in full and on time.

If you've been paying in full and on time, this will be recorded on your report. Lenders will be happy to see this as it shows a good capacity to repay future loans.

If you have missed payments or are in arrears, this may be recorded on your credit report and may limit your ability to access credit in the future.

If you find yourself in financial difficulty, it is important that you reach out to us so we can make a plan with you to get back on track. Contact us on 057 86 22594 or loandifficulties@peoplefirstcu.ie.

*This information is designed for informational purposes and does not purport to provide authoritative advice on financial or legal matters. We encourage you to consult a qualified professional.

You can find more information about loan repayment difficulties here.

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What does your Credit History mean for you?

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Portlaoise Branch

Address:
Head Office James Fintan Lalor Avenue, Portlaoise, Co. Laois, Ireland, R32 XE18
Tel:
057 862 2594
Email:
info@peoplefirstcu.ie
Web:
www.peoplefirstcu.ie
Latitude:
53.0316443
Longitude:
-7.2995889
We're Open:
Tuesday 09:15 - 17:00
Wednesday 10:00 - 17:00
Thursday 09:15 - 17:00
Friday 09:15 - 18:00
Saturday 09:15 - 13:00

Abbeyleix Branch

Address:
Credit Union House Main Street, Abbeyleix, Co. Laois, Ireland, R32 XHH0
Tel:
057 862 2594
Email:
info@peoplefirstcu.ie
Web:
www.peoplefirstcu.ie
Latitude:
52.9120133
Longitude:
-7.3521341
We're Open:
Tuesday 09:15 - 17:00 *
Wednesday 10:00 - 17:00 *
Thursday 09:15 - 17.00 *
Friday 09:15 - 18:00
Saturday 09:15 - 12:45

Closed for lunch Tuesday - Thursday from 12.30 pm to 1.30 pm.
Open through lunch on Friday.

Athy Branch

Address:
13-14 Emily Square, Athy, Co. Kildare, Ireland, R14 XV40
Tel:
057 862 2594
Email:
info@peoplefirstcu.ie
Web:
www.peoplefirstcu.ie
Latitude:
52.9912234
Longitude:
-6.9852183
We're Open:
Monday 09:30 - 17:00 *
Tuesday 09:30 - 17:00 *
Wednesday 10:00 - 17:00 *
Thursday 09:30 - 17:00 *
Friday 09:30 - 18:00

Closed for lunch Monday - Thursday from 12.30 pm to 1.30 pm.
Open through lunch on Friday.

Stradbally Branch

Address:
Unit 2 SuperValu Shopping Centre, Stradbally, Co. Laois, Ireland, R32 KX94
Tel:
057 862 2594
Email:
info@peoplefirstcu.ie
Web:
www.peoplefirstcu.ie
Latitude:
53.017546
Longitude:
-7.150798
We're Open:
Tuesday 09:15 - 17:00 *
Wednesday 10:00 - 17:00 *
Thursday 09:15 - 17:00 *
Friday 09:15 - 18:00 *
Saturday 09:15 - 13:00

Closed for lunch Tuesday-Friday from 12.45pm to 1.30pm.

Loan Office opening hours ¦ Foreign Exchange opening hours

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People First Credit Union Ltd is regulated by the Central Bank of Ireland. Reg No. 137CU

Loans are subject to approval. Terms & Conditions apply. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

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