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.
Don't overthink this riddle...
I have a silver sole
but no feet,
I make my living by bringing the heat.
What am I?
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Poll: Does a savoury scone require cheese on top, or folded inside?
Help settle the great kiwi debate ... cheese on top, or folded inside?
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76.5% Inside!
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23.5% On top!
A reminder this hunting season
As thousands of hunters are making their plans for autumn – the Roar – recreational firearms groups are urging hunters to always be 100% sure of their targets.
Te Tari Pureke - Firearms Safety Authority NZ, which chairs the Recreational Firearms Users Group, has begun a public information campaign reminding hunters everywhere of Rule #4 of the Firearms Safety Code: to identify their target beyond all doubt.
Director Communities and Corporate, Mike McIlraith, says there is an estimated 50,000-60,000 New Zealanders involved in big game animal hunting each year, and the Roar is the key event for many hunters each year.
“The Roar is a fantastic time of year for hunters to get out into the hills after a trophy animal but hunting safely and making sure everyone gets home in one piece, still must be the most important goal of every trip,” says Mike McIlraith.
“The consequences of not fully identifying your target beyond all doubt can be catastrophic. Our message to hunters is a really simple one: If you are not sure, then don’t shoot.”
Mike McIlraith says while hunting fatalities are thankfully rare, research has shown that misidentification of the target is the largest firearms related risk to New Zealand deer hunters, and 80% of the time this involves members of the same hunting group.
The Authority says hunters should not feel pressured to take a shot: “Instead, hunters should take the time to analyse their target, wait and see if it is a hind or stag, how old is the animal, how many points does its antlers have? Identifying your target means never firing at sound, shape, colour or movement alone.”
Mike McIlraith says good hunters will slow down, and run through some simple mental checks:
- Can I see the whole animal, or could this be another hunter?
- Where are my hunting companions – could this be them or someone else?
- How much of the animal can you see, if it is a hind or stag, how old is the animal, how - many points does its antlers have?
“Taking a little extra time to identify your target and check the firing zone is the key to safer hunting. No meat or no trophy is better than no mate,” he says.
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