What is a Credit Report?

A credit report details your credit-related activity, including records of when a credit provider has accessed your history as part of a credit application or assessment process.

A credit report provides an overview of how you manage and use credit. If you have ever held a credit card, taken out a loan, or applied for a mobile phone plan, you are likely to have a credit history. This history may include information such as credit enquiries, existing loans, defaults, bankruptcies, and your record of making payments on time. Credit providers use this information to assess your financial situation and determine whether to approve an application for credit.

Why do I need a Credit Report?

A credit report can help identify whether someone has attempted to obtain credit in your name. Requesting a copy of your credit report each year is also a useful was to monitor your credit file and check for any inaccuracies. These may include credit enquiries or accounts that you do not recognise or cannot explain.

How do I obtain a free Credit Report?

In New Zealand, there is no limit to the number of credit reports an individual can request each year and the obligation is on the agency to deliver them within 10 working days.

Request a free credit report from all three credit reporting agencies as some may gather credit information others have missed. If you have a current NZ Driver Licence, it will usually be verified electronically with Waka Kotahi NZ Transport Agency and your application will be processed automatically, if verified. Other forms of identity may also be verified electronically or manually, and this varies by credit bureau.

The links below will take you to an online application form for each of the Credit Reporting Agencies (CRAs). You will be required to complete the application details and provide personal identifying information. Ensure you order your report from all three agencies in New Zealand:

If you would like help understanding the process or need assistance in obtaining or interpreting your credit report please contact IDCARE.

Will I need to pay for a Credit Report?

No. However, Equifax may charge a fee for the report if you require it sooner than ten days from your application date. Centrix and Experian do not charge for credit reports.

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 suppression be placed on your credit file (see Suppressions New Zealand).

Report the matter to police and notify your financial institution(s).
Consider changing 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 595 160 (Aus) or 0800 121 068 (NZ).

If you would like to provide feedback please use our Feedback Form.