Credit Insights FAQs

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.

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

Three 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.

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

Yes, the minimum limit is €50.

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)

Six years after submission to the Credit Insights database.

The participating telecommunications service providers are: Three, Eir and Vodafone.

The Credit Insights database is operated by Experian.

You can check if your data is in the Credit Insights database by contacting Experian as follows:

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

The Data Protection Acts, 1988 and 2003 give you the right to correct information held about you in certain circumstances. Please contact with details of your request.

You have the right to request a copy of any personal information we hold about you in Credit Insights. We will charge an administrative fee of €6.35 to provide a copy of any data held and we may request a copy of ID to confirm your identity or proof of address so we send your data to the correct place. To make such a request, please write by sending an email to or by post to the Data Protection Officer, Three Ireland (Hutchison) Limited, 28/29 Sir John Rogerson's Quay, Dublin 2.

The Privacy Notice applicable to your agreement with Three is contained in your terms and conditions, called the Small Print. The Privacy Notice contains information about Credit Insights. You can find a copy of the Small Print online at: Terms & Conditions. Where you need further data protection information, you can contact Three at

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