If you apply for credit, credit reference agencies can use the register to check your details and if you are not registered you may be refused credit.
Os ydych yn gwneud cais am gredyd, gall asiantaethau archwilio credyd ddefnyddio'r gofrestr i wirio eich manylion, ac os nad ydych wedi eich cofrestru gallai eich cais am gredyd gael ei wrthod.