Credit Reports  

A Credit Check returns details of any court and insolvency data such as Court Judgements, SIO, NAPS and Bankruptcy Orders which are retained on an individual's credit report for a period of 5 years. The candidate's address history is also displayed using data from address links held on the credit bureau. A credit score plus a graphic illustrating how the candidate compares to the NZ population.


A view of credit accounts you’ve had and whether you’ve made repayments on time and in full. Items such defaults stay on your credit report for at least five years, as do court judgments for non-payment of debts, bankruptcies and individual voluntary arrangements.


A list of the people with whom you have a financial connection, such as a joint mortgage or bank account - they are known as your financial associates. Their credit history doesn’t appear in your credit report. However, when you apply for credit, lenders are able to look at their credit history also, as their circumstances could affect your ability to repay what you owe.


A view of information for your current address and previous addresses you provide when you apply. It also contains details of any other addresses you’ve been linked to in the past, such as those you’ve given to lenders on application forms.