My Credit Report

My personal credit report

Your credit score is a number between 1 and 1000 that indicates how likely you are to pay your bills on time. The higher the score, the better your credit rating is. If your score is low, companies may be reluctant to lend to you or may charge you a higher rate.

Get a free copy of your personal credit report from Centrix to understand more about what’s affecting your score and how you can improve it. Centrix is New Zealand’s only locally owned consumer credit bureau with 95% of credit active Kiwi’s in our database.

Fill in the details below to receive a free copy of your credit report. If you supply a current driver’s licence, your application will be processed as soon as possible, generally on the next working day. If you supply another form of ID, your credit report will take 5-10 working days.

We know it can be distressing if your credit score is lower than you hoped. The score is calculated based on the data in your credit report. See the FAQs at the bottom of this page for more on how you can understand and improve your credit score.

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Area Code + Phone Number

If you have been at your current address for less than 3 years please provide your previous address

How would you like your Credit Report to be provided to you?

We have to take steps to ensure that your Credit Report is only received by you. When selecting a delivery option you need to consider who else may have access to the delivery option you choose. Please enter either your email address or postal address.

Identification Verification Information
Before we can supply your Credit Report, we need to take precautions to check your identity. Please input details of your driver licence below or select the alternative identification option. If you supply your New Zealand driver licence details, we will verify these with the NZTA and you consent to us doing this.

Check this box only if you wish to send a photocopy of your identification by separate email or post.


The information you provide us on this application form is used to confirm your identity and to satisfy ourselves that we are providing your Credit Report to you, and not someone else. If we cannot satisfy ourselves of your identity, we may require further information from you, or may not be able to provide access. If access to your Credit Report is not provided, we will give you reasons for this. If you provide us with your Driver Licence details we confirm that this information will not form part of your credit report and any record of your driver licence details as part of our verification process will be retained in a hashed form as required under the Credit Reporting Privacy Code. By choosing the Delivery Option above you are confirming to us that you will be the recipient of your Credit Report when we deliver your report to you this way.

Your name, address and date of birth information you provide us updates your credit information to ensure the most recent and accurate information is on your credit file. This information may be available to credit bureau subscribers when inquiring on your file in the future in accordance with the Credit Reporting Privacy Code. As an example, this information may be made available when a subscriber is assessing an application for credit made by you (with your consent).

The Identification Verification Information that you provide to us will be kept by us for audit and administrative purposes. We will not give this information to anyone unless we are required to by law. The Credit Reporting Privacy Code contains a Summary of Rights that sets out the rights the code gives individuals. You can download a copy from here . If you believe any of the information we hold on you is incorrect, please contact us. Details of our correction procedure or complaints procedure can be found on our website here

Our contact details:
Phone: 09 9669706
Post: PO Box 62512, Greenlane, Auckland 1546

I confirm that I am requesting access to my own credit information and the details I have provided above are true and correct. I have read and understood the Privacy Information set out above.

I confirm that I am requesting access to my own credit information and that the details I have provided on this form are true and correct. I have read and understood the Privacy Information set out above.

For a downloadable version of this form, please click here.

Please fill in, sign and return to us.

Frequently asked questions

Your credit score is a number between 1 and 1000 that indicates how likely you are to pay your bills on time. A high score means you may get better offers from banks, insurance and utility companies. A low score can result in companies refusing to lend to you or charging you a higher interest rate.

Consumer credit bureau’s collect information on bill payments, any loan defaults as well as court judgments and how much credit you have across your mortgage and credit cards. Paying bills in full on time is also recorded, so this increases your score.

Most credit scores are between 300 and 850. A good score is considered more than 649.

If you think your Centrix credit report contains incorrect information, you can make a request to correct it by contacting us. Considering a correction request will often involve contacting the organisation that provided the information to Centrix. We will advise you of our decision within 20 working days, unless we require additional time to investigate your request.

Pay your accounts on time and keep them up to date.

Settle any outstanding defaults. A default will stay on your file for 5 years but over time the impact of the default will reduce. Paying your default will help reduce the negative impact.

Don’t open new accounts or make repeated applications for credit. Lots of enquiries for small loans or credit on your file can negatively impact your score as it could be seen that there is an increased risk. Please note, asking for a credit history by requesting a report is not the same as a credit enquiry with a lender. You can access your credit history with us and get your score as many times as you like, and it will not impact your score.

There may not be much information about your credit history, meaning you might not have applied for much credit, so there is limited data to base your score on.

Very Good and Excellent scores are usually assigned where you have a long active credit history and a very good payment history demonstrating a high level of stability.

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
  • Subscriber’s client reference number

Your report may also contain information sourced from public registries such as:

  • District and High Court Judgments
  • Current and past Company directorships
  • Bankruptcy notices

View our sample report which details the type of information we hold.

Click here

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 4 years from date of enquiry
Serious credit infringement information 5 years from date of report


You can request a copy of your credit report from us. So that we 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)

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.

The Credit Reporting Privacy Code 2004 affords you specific rights to access any data we hold on you and to request correction. A summary of your rights under the Credit Reporting Privacy Code 2004 can be found here.

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.

If you believe that you have been, or are likely to be, a victim of fraud (including identity fraud) you can request to suppress your credit file. Read more here to suppress your credit file page.

Centrix has an agreement to forward ‘freeze’ requests with the two other credit reporters (Equifax and illion) and can pass these on so you will not need to contact them separately if you agree to this.

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