According to FTC.gov, under the Fair Credit Reporting Act, all individuals are guaranteed to receive one free credit report every twelve months from three nationwide credit reporting agencies: Experian, Equifax, and TransUnion.

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All of the other ELA debt was contracted under the Facility Deed which according to the Anglo Irish Bank Annual Report 2010 is an unsecured loan facility guaranteed by the Minister for Finance who separately benefits from a counter indemnity from the Bank should the guarantee be called upon.

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However, the report's recommendation that academic selection should be outlawed was always guaranteed to polarise the Stormont parties.

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This, the report said, meant countries should work together, but also that there was no guaranteed safe place from where help could come.

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