IMPORTANCE OF YOUR CREDIT RECORD
A credit report (or record) is a record of your credit history. It includes any payment defaults recorded against your name, and it also includes your credit rating.
Your credit rating is a score between 0 and 1,000 that credit reporting agencies assign to you based on your credit history. The higher the score, the better your rating. Businesses, banks and other organisations you engage with may look at your credit report to help them decide if they want to do business with you.
You have a right to free access to your credit record. You will usually receive your record within 10 days of applying for it. You may need to pay a fee if you need it quicker than that (within three working days). A credit reporting company cannot charge you more than $10 (including GST) to process your credit report application.
In New Zealand, there are three credit reporting agencies. If you want a full check of your credit record, you need to get a credit report from each of them:
👉Centrix – My Credit Report
👉illion - register to get your free credit report
👉Equifax - My Credit File
Our Bureau re-opens today from 9.30 a.m. to 3.30 p.m. Monday to Thursday and 9.30 a.m. to 12.30 p.m. on Friday. Please call us on 09 407 9829 or 0800 367 222. Email us on farnorth@cab.org.nz. Pop in and see us at 6 Cobham Rd., Procter Library Building, Kerikeri.
Poll: Should the government levy industries that contribute to financial hardship?
As reported in the Post, there’s a $30 million funding gap in financial mentoring. This has led to services closing and mentors stepping in unpaid just to keep helping people in need 🪙💰🪙
One proposed solution? Small levies on industries that profit from financial hardship — like banks, casinos, and similar companies.
So we want to hear what you think:
Should the government ask these industries to contribute?
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59.1% Yes, supporting people is important!
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25.2% No, individuals should take responsibility
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15.7% ... It is complicated
A Neighbourly Riddle! Don’t Overthink It… Or Do?😜
Do you think you know the answer? Simply 'Like' this post if you know the answer and the big reveal will be posted in the comments at 2pm on the day!
If you multiply this number by any other number, the answer will always be the same. What number is this?
Poll: As a customer, what do you think about automation?
The Press investigates the growing reliance on your unpaid labour.
Automation (or the “unpaid shift”) is often described as efficient ... but it tends to benefit employers more than consumers.
We want to know: What do you think about automation?
Are you for, or against?
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9.7% For. Self-service is less frustrating and convenient.
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43.2% I want to be able to choose.
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47.1% Against. I want to deal with people.
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