Where can I get my credit report?

Keeping tabs on your credit score could be crucial if you have hopes of funding some of life’s biggest purchases, such as a house or car.

But what about your credit report? If you’re not sure of the difference, don’t fret, as we’re about to give you a crash course on credit scores and credit reports, including how you can get your hands on them both (for free).

Your report contains all the information that lenders have regarding your past credit behaviour.

Aren’t credit reports and credit scores the same?

No. Your credit score is a number that summarises your creditworthiness to lenders. This score – also known as a credit rating – provides you with a quick and easy way of judging whether or not you’ll be offered the best deals on loans and other forms of credit.

Credit reports are a different kettle of fish. They provide a comprehensive overview of your entire credit history. If you want to know all the ins and outs of your past activity you’ll need to access your credit report.

How do I get hold of my credit report?

You can obtain your credit score for free simply by clicking here and following the instructions. At Credit Simple, it’s easy, instant and free. You’ll receive your rating, as well as an analysis of how your creditworthiness compares to other people in your area, age group and even star sign. Cool eh?

For your credit report (which should also be free), you’ll need to get in touch with one of the credit reporting agencies in New Zealand: Equifax, Centrix or illion. You can also access most of your key credit information through the ‘credit history’ tab on your Credit Simple dashboard.

Unlike your credit score, which is almost instantaneous, there’s a chance you’ll have to wait for a few days before your report arrives. But it’s often worth the wait if you want the nitty gritty details of your credit history.

Some credit reporting agencies may charge fees if you want your copy quickly, but it’s always free for you at Credit Simple.

What information is in my credit report?

Your report contains all the information that lenders have regarding your past credit behaviour, including:

• Personal details
• Credit applications
• Default data
• Bankruptcies
• Company directorships
• Repayment history
• Court judgments and other public information.

Each credit reporting agency has different processes for sending you a copy of your report, but you’ll always need to provide proof of identification and confirm a number of personal details before the document can be released.