Your credit report contains personal information about you and your financial standing, it contains details of each and every time a business or other organisation has accessed your credit report. You can obtain a copy of your credit report by requesting your Statutory Credit Report from the 3 different Credit Reference Agencies or by using a service such as Verified NZ personal credit history. If you find something on your credit report that you do not recognise, it could be that applications for credit have been made illegally using your details.

Should you find an item on your credit report that you do not recognise, it's important to know that the organisation listed on the report will also be a victim of the fraud. Fraudsters will try to gain access to credit using your personal information, which then results in search activity on your credit file. A good first step is to discuss it with the organisation shown on your file to gain further details about the activity that resulted in the access of your credit report.