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.
Ryman Village Open Days
Wednesday 10 December, 10am - 3pm
Join us this Wednesday and explore our lifestyle, show homes and amenities.
More than just a place to live, Ryman villages are places where friendships grow, hobbies flourish and a genuine sense of community thrives.
The best way is to experience it for yourself. No appointment necessary!
Poll: Should we be giving the green light to new mining projects? 💰🌲
The Environmental Protection Authority announced this week that a proposed mine in Central Otago (near Cromwell) is about to enter its fast-track assessment process. A final decision could come within six months, and if it’s approved, construction might start as early as mid-2026.
We want to know: Should mining projects like this move ahead?
Keen to dig deeper? Mike White has the scoop.
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53.1% Yes
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46.9% No
We want to know: Have you thought about cutting your insurance cover to save costs?
Senior business reporter Rob Stock tackles a big question many of us have wondered about: “What are the pros and cons of cutting back on insurance?”
So we’re curious… What are your thoughts on trimming your insurance cover? Have you ever considered it?
Want to dive deeper? Rob Stock has the full breakdown.
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