Check your own credit report

Your credit information is changing all the time and could have a big impact on you. Check it especially if you’re about to seek credit.

There are 3 credit reporting companies in New Zealand. You'll need to contact all of them:

• Centrix
• Dun & Bradstreet
• Equifax

It’s free to get a copy of your credit record but if you want the information quickly you’ll need to pay for it.

What's in your record?

Your report includes your payment history for:

• credit cards
• mortgages
• car finance
• hire purchases.

Your payment history for other bills like electricity, gas and phone accounts might also be on your report.

When your credit record is wrong

If your record is wrong, you might not be able to get credit.

If you discover credit accounts that you never applied for, payment defaults you didn't know about or credit enquiries you never authorised, then you might have been the victim of identity fraud.

You can ask credit reporting companies to correct your information — each company has their own procedure for doing this.

Get your credit record corrected