Credit Reports - New Zealand

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What is a Credit Report? 

A credit report is a point in time snapshot of what credit related transactions you have made where the provider of credit has checked your history. You are entitled to one free credit report every year through the official New Zealand Credit Reporting agencies. 

A credit history provides a 'picture' of how you use credit. If you have ever owned a credit card, taken out a loan, or applied for a mobile phone plan you will have a credit history. Your credit history may include information such as loan inquiries, current loans, defaults, bankruptcies, and details about whether you pay your bills on time. This ‘picture’ is used by credit providers when deciding whether or not to approve an application for credit.

Why do I need a Credit Report? 

A credit report is a means to assess whether someone has attempted to obtain credit in your name. A yearly credit report is also a way you may monitor your file to ensure no errors are on your report. Errors may look like enquiries organisations have made about your credit you can’t explain. 

Please note: If you request your credit report, your current contact details will then become available to any lenders, creditors or debt collectors who check your report. 

How do I obtain a Free Credit Report? 
  • Request a free credit report from all three credit reporting agencies as some may gather credit information others have missed. 
  • The links below will take you to an application form for each of the Credit Reporting Agencies (CRAs). You will be required to fill these out, provide personal identifying information, and email all as attachments directly to the relevant agency (email addresses are listed on each form).
  1. Equifax
  2. illion
  3. Centrix

Please note: If a compromise event only just happened, it is recommended that you wait a week before applying for the reports. If you would like help understanding the process or need assistance in obtaining or interpreting your credit report please contact IDCARE

Under what circumstance will I need to pay for a Credit Report? 
  • If you require an urgent credit report this will incur a fee. Free credit reports may take up to 10 working days. 

What if my identity has been compromised? 
  • If there is risk that your identity may be fraudulently used, or has already been used, it is recommended that a ban be placed on your credit file (see Suppressions New Zealand).
  • Report the matter to police or netsafe.org.nz, and notify your financial institution(s). 
  • Change passwords for all online accounts (especially your email accounts, banking, and government agencies). 
  • Any fraudulent access to your file needs to be addressed, even enquiries that were not approved. Contact the organisation where the misuse has occurred to begin an investigation. 

For additional support or information, contact IDCARE by submitting a Get Help Form or call 1800 595 150 (Aus) or 0800 121 068 (NZ).

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Disclaimer

Identity Care Australia & New Zealand Ltd (IDCARE) provides identity and cyber security incident response services (the Services) in accordance with the following disclaimer of service:

IDCARE is Australia and New Zealand’s national identity and cyber incident community support service. We are a not-for-profit charity.

  • The Services provided do not constitute legal advice. IDCARE recommends that you consult a solicitor in relation to your legal rights and obligations, including but not limited to your legal rights or obligations under Australian and international privacy and data protection laws.
  • While every effort has been made to ensure the accuracy of the information in this product or service, to the maximum extent permitted by law all conditions, terms, representations, and warranties (in each case, whether express or implied) in connection with the provision of the Services which might otherwise be binding upon IDCARE are excluded.
  • IDCARE’S liability for any loss or damage suffered by any person or organisation (including, without limitation, any direct, indirect or consequential loss or damage) arising out of or in connection with the Services (including without limitation liability for any negligent act or omission, or statement, representation or misrepresentation of any officers, employees, agents, contractors or consultants of IDCARE) shall be limited to the fees paid by you to IDCARE in respect of the Services. For the avoidance of doubt, this limitation of liability extends to any liability arising from any actions performed or not performed as a result of any recommendations made in course of providing the Services.
  • The Services provided by IDCARE are intended to be provided solely to the initial recipient of this document or service and IDCARE will not be liable to any other person who may receive this document.

While every effort has been made to ensure the accuracy of the information in this alert, IDCARE disclaims any liability to any person in respect to any actions performed or not performed as a result of the contents of the the Services or any accompanying data provided. Wider dissemination may be permitted by authority in writing from IDCARE’s Managing Director. If you would like to provide feedback please use our Feedback Form.

CONTACT US

IDCARE is here to provide you with specialist support and guidance when faced with a cyber and identity related issue. Contact one of our Identity & Cyber Security Case Managers to learn more about our Support Services and how we can help you.   

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