There are a few reasons why you might not have any numbers to your name.
Many young adults don’t have credit scores
Third-party credit scoring providers have access to huge stores of data from various companies (mainly finance and utility companies). If they can’t find any data in their records that match the details you’ve provided, they can’t generate a score.
Even if you have had power bills, credit cards, or other loans in your name, it may be that your credit scoring provider does not have access to your specific credit history. This is usually the case with very young people who have had few bills put in their name.
Learning more about getting more credit history on your record may help you get a credit score.
When it’s not them, it’s you
Entering any details wrong (even down to the address you lived in three years ago) can prevent your data from falling under your name and therefore making it impossible to generate a score.
Similarly, if you’ve moved frequently in the last four years, or you have changed your name recently, the data might just not match up with your current details. If this is the case, it may be worth lodging an inquiry with one of NZ’s three credit reporting bureaus.
