Manage and protect your credit reputation with My Credit File

Manage and protect your credit reputation with My Credit File

Get your credit report and alerts to changes in your credit file from the leading provider of credit information in New Zealand.

Get My Credit File 

How will COVID-19 impact your credit report and score?

Many questions are being asked about the financial impact of COVID-19 and how it will affect your credit file and credit score? What will happen if you’re struggling to pay your bills on time - or if you’ve applied for a mortgage deferral? We answer some of your questions on the impact of COVID-19 on your credit file. You can also request a free Credit Report below, so you can see what banks and lenders will see.

Find out more

How we can help you

As New Zealand's leading credit bureau, we provide you with the most comprehensive record of your credit history available. Find out what credit information lenders see from Equifax to help you better manage your credit reputation.

Protect yourself from identity fraud

If you think your identity may have been stolen or you have reasonable grounds to believe you have been a victim of fraud, you can request a suppression on your credit report.

Placing a suppression on your credit file will prevent credit providers from accessing your credit report as part of a credit check.

Find out all you need to know about suppressing your credit file here.


My Credit File Express

In a rush for your credit report? My Credit File Express delivers within three working days.

  • Delivered within 3 business days
  • See what banks and lenders see

My Credit File

Don't need your credit report right away? You can order a free credit report.

  • Dispatched within 10 business days
  • See what banks and lenders see

My Credit Alert

Subscribe to My Credit Alert for:

  • Your credit report
  • PLUS your Equifax Score Rating
  • See what banks and lenders see
  • Directorship details
  • Alerts to certain changes on your credit report
  • Guard against identity theft

$69.95 per year

Learn more

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Protect yourself

from identity theft

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Be alerted

if your credit report changes*

*Alerts are a feature of the My Credit Alert product

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Apply for credit

with confidence

Credit Disputes

Have you found an error on your personal credit report? We can help you resolve it.

Information Guides

Your Credit File Explained

Your Credit File Explained

Your Credit File will be explained in this practical guide. You will gain a better understanding of the information in your credit file, the terminology used, and the steps you can take to correct inaccuracies.
Understanding Your Credit Score

Understanding Your Credit Score

What does your Equifax Credit Score actually mean? This guide will provide information on how a credit score is determined, what is included and the impact it has on your financial situation.
Your Rights Explained

Your Rights Explained

In New Zealand, you have rights under the Privacy Act 2020 regarding access to, storage of, and use of your credit information. This document gives you an overview of your rights and what information Equifax can and cannot hold.


Six credit score myths - busted

/ Credit File

Is a credit score the same as a credit file? Does your credit score determine if you get approved for a loan? We bust the top six credit score myths!

COVID + Credit: Protecting yourself and your credit file

/ Credit File

Scams and hacking attempts are rife – with both individuals and companies being targeted. So, how can you protect yourself or your business from cyber security threats? And what are the red flags? Here’s some of our most frequently asked questions.

COVID + Credit: How to prioritise when money is tight

/ Credit File Finances Budgeting

While you should do your best to pay your bills on time every month, we understand that life can get in the way. Prioritising bills can make a huge difference to your long-term financial recovery. Here are our tips to prioritise when money is tight.