Requesting your credit reports
Your credit report is the more comprehensive list of what historical data is feeding into your credit score. This includes any accounts, enquiries, defaults, infringements, collection notices, judgements, insolvencies and other public record information.
There are three credit reporting bureaus in NZ. You can request a free report from any of them if you’d like to find out more about your credit score. If you think there may be something wrong with your credit score, it is worth requesting a free report from each of them.
It’s not impossible that there could be defaults, enquiries or accounts on your credit report that are the result of identity theft.
NZ’s credit reporting bureaus
- Centrix (Our credit reporting provider, allow 5-10 working days)
- Dun and Bradstreet (allow 3 working days)
- Equifax (allow 20 working days)
- Credit simple Is a free, instant online credit score checker available to all Kiwis. Credit simple is owned by Dun and Bradstreet.
