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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 we can help you

As New Zealand's leading and most comprehensive credit information company, we provide you with the most complete record of your credit history. Find out what lenders see and better manage your credit reputation.

Products

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.

Blog

Why have I been declined credit?

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There are number of reasons why a lender may decide to decline your credit application. When you first apply for credit, credit providers such as lenders, phone or utilities companies can check your credit history alongside the information you have provided as part of your application process.

Using credit cards to build your credit profile

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Credit cards can be an excellent way of building a strong credit history, as long as you stay on top of your payments.

How can I improve my credit record?

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For anyone juggling payments and bills from various essential service providers, from electricity and phone connections to rent or a mortgage, getting on top of their credit score may feel like a looming goal. However, with a few changes, you can begin to repair an unfavourable credit report.