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.
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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.
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.
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Information Guides
Blog
Six credit score myths - busted
Our financial wellbeing has a significant impact on our physical and mental health – and yet few of us take the time to do a proper warrant of fitness check on our credit worthiness. Knowing your credit score, understanding it, and checking it regularly is a critical part of staying in shape financially. With that in mind, we thought it was timely to bust some of the myths that surround credit scores to help you on your way to becoming more financially fit.
COVID + Credit: Protecting yourself and your credit file
The Covid-19 crisis is affecting many aspects of our lives, and protecting your credit is a critical part of navigating these challenging times. As with any crisis, 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
While you should do your best to pay your bills on time every month, that isn't always possible. If you find yourself in a tight spot, you may have to make hard financial decisions about where to channel your available resources. Thinking through which bills to prioritise can make a huge difference to your long-term financial recovery.
The decisions you make will be specific to your financial situation but use the following tips as a guideline.