Consumer FAQ's

Consumer FAQs

What is a Centrix credit report?


A Centrix credit report contains credit information about you that is allowed by the Credit Reporting Privacy Code ("Code"). Centrix may provide your credit report to its subscribers, including credit providers that have your consent to review your credit report and debt collectors. Generally, credit providers are businesses who lend money (such as banks or finance companies) or businesses who provide goods and services before payment (such as mobile phone retailers or gas or electricity retailers).

The following information may be on your credit report:


  • Full Name and any known alias name or previous name;
  • Gender
  • Date of Birth
  • Address and any known previous address
  • Occupation and any previous occupation
  • Employer and any previous employer
  • Type of credit sought;
  • Amount of credit sought
  • Whether you are the applicant, joint applicant or guarantor;
  • Date of the application;
  • Details of the credit provider.


In addition, the following information in relation to any defaults by you in payments of a credit account may be on your credit report:


  • Whether you are the account holder or guarantor;
  • Date of the default;
  • Type of account, the amount in default and the total amount owing on the account;
  • Status of the default including details of any referral to a debt collector and any payment, part payment, scheme of arrangement or write-off subsequent to the default;
  • Details of the final settlement of an amount of default;
  • Details of the subscriber; and
  • Subscriber’s client reference number
  • Your report may also contain information sourced from public registries such as:
  • District and High Court Judgements
  • Current and past Company directorships
  • Bankruptcy notices

How long is information displayed on my credit report?

The Code sets out how long certain information can remain on your credit file, including the following:

Credit application information 5 years from date of application
Payment default information 5 years from date of default
Judgment information 5 years from date of judgment
Single bankruptcy 4 years from date of discharge from bankruptcy
Single entry to no asset procedure 4 years from date of discharge from no asset procedure
Multiple insolvency events (as provided in the Insolvency Act 2006, s.449A) Indefinitely
Previous enquiry record 5 years from date of enquiry
Serious credit infringement information 5 years from date of report

How do I know what credit information about me is held by Centrix?

You can request a copy of your credit report from Centrix. So that Centrix can be satisfied that your credit report is being released to you, and not someone else, you will need to complete and send to us an application form and provide suitable identification. You can also arrange for your information to be sent to your agent (for example, a financial advisor or debt counsellor).

What if I think my credit report contains incorrect information?

If you think your Centrix credit report contains incorrect information, you can make a request to correct it by contacting us. Centrix will make a decision on your request as soon as we can. Considering a correction request will often involve contacting the organisation that provided the information to Centrix (for example, if the correction is about a default, a debt collector, or the credit provider). We will advise you of our decision on your request within 20 working days, unless we require further time to investigate your request, and in that case we will let you know how long it will be before a decision is made.

What if Centrix decides not to correct the information according to my request for correction?

If we do not correct the information in accordance with your request you can request that there be attached to the information a statement of the correction sought by you and not made. You can do this by contacting us. You can also make a complaint to Centrix and we will investigate your complaint under our Complaints Procedure. Details of our Complaints Procedure is found here. You can make a complaint by contacting us.

What are my rights?

A summary of your rights under the Credit Reporting Privacy Code 2004 can be found here. If you would like us to provide a copy to you, simply contact us.

What if I think Centrix has breached the Code?

If you think Centrix has breached the Credit Reporting Privacy Code 2004, you should contact us and we will investigate your complaint in accordance with our Complaints Procedure. Details of our Complaints Procedure is found here.

What if I am not happy with the outcome of my complaint?

If you are not satisfied with the outcome of your complaint you may complain to the Privacy Commissioner. Details of how to do so can be found on the Commissioner’s website www.privacy.org.nz.

Can I make a request to suppress my credit file so credit providers cannot access my information?

If you believe that you have been, or are likely to be, a victim of fraud (including identity fraud) you can request a credit report ‘freeze’. This will mean that during the ‘freeze’, Centrix will “suppress” the credit information held on your credit file and will not, except in limited circumstances, provide your credit report to credit providers or update or add information to your credit file. Details of how to do so can be found on our website My Credit Report 'Freeze'

How can I contact Centrix?

By telephone:   0800 236 874
By email: admin@centrix.co.nz
By fax: 09 6660056
By post: Attn: Consumer Services
  Centrix Group Ltd
  P.O Box 62512
  Auckland 1546


  • Consumer Credit Reports​

  • Tenancy Credit Checks

  • Company Credit Reports

  • Motor Vehicle Reports

  • ID Verification

  • Portfolio Credit Health

  • Credit Monitoring


Contact Us

09 966 9706

Toll Free
0800 236874

PO Box 62-512,
Auckland 1546

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