The information in your credit report comes from multiple sources:
Public information - This includes electoral roll information, court judgments and bankruptcy information.
Credit history information - Many lenders share information on what you owe, and whether you’ve paid on time. You agree to this as part of any application for credit. Some lenders only contribute information on accounts that have defaulted, but these days most share monthly updates on all customers.
Identity and address information - We use multiple sources to confirm both identity and address information but preliminary information comes from sources like NZTA and the Department of Internal Affairs.