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.