Check your own credit report

Your credit information can affect how companies treat you, for example when you want to borrow money or get insurance.

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.

There are 3 credit reporting companies in New Zealand:

Centrix

illion

Equifax

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.

Sample credit report

When your credit record is wrong

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

When you get your report check it for incorrect information, such as: 

• credit accounts that you never applied for
• payment defaults you didn't know about, or
• credit enquiries you never approved.

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

Get your credit record corrected