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..

You have a right to request that your data be kept accurate and up to date under Data Protection Legislation. If you have any amendments to make to incorrect or incomplete personal data please contact us at

You can make a request free of charge by emailing or by writing to Data Protection Officer, Three Ireland Hutchison Limited, 28/29 Sir John Rogerson’s Quay, Dublin 2. We may request ID / proof of postal address to ensure we send your data to the right person.

Please see Three’s Privacy Notice on for more information on how we use your personal data. If you have any further queries please contact Three’s Data Protection Officer by email at or by post at Three Ireland Hutchison Limited, 28/29 Sir John Rogerson’s Quay, Dublin 2.

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