Check your credit score or report in NZ

Free credit scores and reporting

Requesting your credit reports

There are three credit reporting bureaus in NZ. You can request a free report from any of them if you’d like to find out more about your credit score. If you think there may be something wrong with your credit score, it is worth requesting a free report from each of them. It’s not impossible that there could be defaults, enquiries or accounts on your credit report that are the result of identity theft.

NZ’s credit reporting bureaus

Illion NZ (allow up to 3 business days)
Equifax NZ (allow up to 3 business days)
Centrix NZ (within one working day in most cases and up to 3 working days for rest)

Credit simple (instant and free access to all NZ consumers, Credit simple is owned by Illion NZ)

Pay over 10 weeks. No interest, no fees.

Split your bills over 10 weeks at our participating stores. Creating an account takes two minutes, max!

More credit scoring FAQs

A credit score is a number assigned to people by complex algorithms. When a credit check is requested, these algorithms can search through massive databases and analyse your historical credit data to see how likely you are to make regular payments in the future. The higher the score, the better your credit rating is. Read more about credit scores and who calculates them.

It’s more complicated than what most people are aware of. In fact, most New Zealanders don’t even know what a credit score is! Read more about the factors that affect your credit score.

Not all credit scores are measured on the same scale. Our credit scoring provider, Centrix, uses a scale of 0-1500. However, a scale of 0-1000 is most common. In this case, scores well below 450 can be considered “bad scores”, scores above 600 can be considered “good scores” and anything in-between is the norm. Find out how you’re affected by a good or bad credit score.

Long story short, plan ahead and manage your finances more effectively. For the long story long, check out our specific ways to improve your credit score page.

If credit-reporting companies can’t find any data in their records that match the details you’ve provided, they can’t generate a score. Although, there are other reasons why this may happen.

Your credit report is the more comprehensive list of what historical data is feeding into your credit score. This includes any accounts, enquiries, defaults, infringements, collection notices, judgements, insolvencies and other public record information.