Services for Brokers

Fast and reliable credit reporting for Brokers

Centrix credit reports help brokers to make quick and confident risk assessments, while complying with the latest regulations. We hold the most comprehensive consumer credit information database in New Zealand – with credit information for over 4 million Kiwi consumers (95% of the adult population) and many credit-active businesses. This information is sourced from credit providers, third party data sources and debt collection agencies.

Using our in-depth credit reporting, you can accurately assess a customer’s financial position, simply and easily in a simple report. Running pre-checks on your customers helps you to choose the most suitable loan provider. It also gives you the highest chance of loan approval, with a streamlined application process (which means less paperwork for you), and faster, more reliable approvals for your customers.

Introducing BrokerCheck

Using BrokerCheck, you can access Comprehensive Credit Reporting (CCR) data in our consumer credit reports. You’ll be able to view defaults, enquiries, any company affiliations the individual has and insolvency records. You’ll also receive an easy-to-read credit score that provides a snapshot of an individual’s creditworthiness – the lower the number, the higher the risk.

In addition, CCR provides an enhanced view of a customer’s credit profile, including up to 24 months repayment history along with the account type, credit limit amount and account status.
Note: There is no impact to a customer’s credit score for using BrokerCheck to make an enquiry. Brokers must be a registered Financial Services Providers to access Comprehensive Credit Reporting (CCR).

Other BrokerCheck services include:

SmartID (individuals)
Centrix SmartID is a consumer identification service that enables fast, seamless onboarding of new customers and helps you comply with Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) New Zealand legislative requirements.

Business credit reports
Centrix Business Credit Reports give you comprehensive business credit data to assess the risk of new customer account applications and new supplier arrangements. The reports give you deep insights into a company’s past credit behaviour, delivered in an easy-to-read format.

You can customise your report to include:

• Director’s consumer file (with consent)
• Beneficial Owners Report and corporate family tree to easily understand the company shareholding structure

Beneficial Owners Report (businesses)
A beneficial owner is an individual who owns or controls more than 25% of a company’s shares or voting rights or exercises control over the company without being listed as an owner.  Our report breaks down multiple layers of company ownership to understand what percentage of a company or asset benefits an individual to assist you to comply with the Anti-Money Laundering (AML) and Countering Financing of Terrorism (CFT) New Zealand legislative requirements.

Why brokers choose Centrix:

• Richest data set in NZ, with credit information for over 4 million Kiwi consumers (95% of the adult population) and many credit-active businesses
• Real-time data for faster decision making
• No joining fees or ongoing annual fees – pay only for what you use with competitive pricing
• Locally-based and New Zealand owned, with local knowledge and support staff

Get credit reports online

To get CCR credit reports and run pre-approval credit checks on your clients, click here.  Questions? Call us on 0800 236 874 or email sales@centrix.co.nz with any queries.

Read articles

What is a credit bureau – and how can it help your business?
Why is business credit checking so important?
How does CCR help your business?

BrokerCheck Services