Identity Confirmation
We establish identity.
Credit Checks
We run a credit check in order to obtain credit report and credit scoring.
Prompt Result
Typically a report is provided within an hour.
Accurate Reporting
We provide you with the credit report and credit score for your records and action.
Why get a Credit Report?
The main reason to get a copy of your credit report is to better understand what’s affecting your credit and credit score, and how you can improve it.
Run Checks
Who provides the Report?
- Our credit checks and credit scoring is provided by Centrix, a pre-eminent credit reporting provider, covering New Zealand and Australia.
- You can obtain a free credit report from Centrix, however that process can take five to ten days.
What is a Credit Score?
- A credit score is between 1 and 1000 and it provides an indication of how likely you are to pay your bills on time.
- A high score means you may get better rates from banks, and supply companies such as utilities.
- A low score can result in a company refusing to lend you money or even charging you higher interest rates.
The Credit History provided online includes:
- Credit defaults
- Bankruptcies
- Court Judgements
- Court Summonses
- Enquiries made
- Publicly available information
- Directorships
- Our Credit Score
Frequently Asked Questions
Various credit bureaus collect information on bill payments, such as any loan defaults, including Court Judgements, how much credit you may have across your mortgage and credit cards, or the time it takes you to pay your bills in full or in part.
- You can contact Centrix and request that it be corrected. This will typically involve Centrix contacting the organisation that provided the information to Centrix.
- Their email is: helpdesk@centrix.co.nz, or click this link: Complaints Procedure | Centrix
- By paying your account on time and keeping them up to date.
- Any outstanding defaults will stay on your file for up to five years from the time the default was placed. Paying any defaults will reduce the negative impact on your credit score and future credit applications.
The Credit Reporting Privacy Code 2020 provides you with the right to access any data that a credit agency might hold on you. You have the right to request a correction.
Firstly, write to the credit reporting company. If you do not receive satisfaction you can make a complaint to the Privacy Commissioner at www.privacy.org.nz.