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
Protect yourself
from identity theft
Be alerted
if your credit report changes*
*Alerts are a feature of the My Credit Alert product
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
Blog
Why have I been declined credit?
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
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?
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.