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
25 ,000+ people use My Credit File each year
to help protect and manage their
credit reputation
to help protect and manage their
credit reputation
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 Alert
Subscribe to My Credit Alert for:
- Your credit report within 1 business day
- 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
- Two payment options
My Credit Plus
Need your credit report sooner? My Credit Plus includes:
- Your credit report within 1 business day
- Credit report PLUS your Equifax Score Rating
- See what banks and lenders see
- Directorship details
My Credit File
Don't need your credit report right away? You can order a free credit report.
- Dispatched within 20 business days
- See what banks and lenders see
My Credit File Express
Not in a rush for your credit report? My Credit File Express delivers within five working days.
- Delivered within 5 business days
- See what banks and lenders see
Credit Disputes
Have you found an error on your personal credit report? We can help you resolve it.
Did you know?
39%
of people expect a better deal based on their credit history
133,000
New Zealanders may be the victim of identity theft each year
3.2 Million
credit active individuals are on the Equifax NZ Bureau
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.
Protecting yourself against identity theft
Identity theft can occur to anyone - at its core, it involves the perpetrator masquerading as someone else in order to steal money or access other personal details.
Quick steps to protect yourself from identity theft
Check out our quick guide to what to do if you are a victim of identity theft.
Maintaining your credit worthiness
By following these simple steps, you can monitor and maintain your credit reputation.