Check your own credit report

There are 3 credit reporting companies in NZ — to check your record or correct your information, you need to contact all of them. 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.

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.