How to Check Your Credit Report

Understanding your credit history is an important part of taking control of your finances. Whether you're planning to apply for a loan, a credit card, or even a new job, knowing what’s in your credit report can help you prepare and make informed decisions.

At Harmoney, we use comprehensive credit reporting to help assess loan applications. That means we look at both the positive and negative aspects of your credit history—not just missed payments. So, if you're doing the right thing financially, that can work in your favour.

Here’s how you can check your own credit report in New Zealand, and why it's worth doing regularly.

What is a Credit Report?

Your credit report is a record of your credit history. It includes details such as:

• Loans or credit you've applied for

• Payment history on loans, credit cards, or utility bills

• Defaults or missed payments

• Court judgments and insolvency information

• Credit limits and account balances

This information is used by lenders to help assess how likely you are to repay money you borrow.

Why You Should Check Your Credit Report

Checking your credit report is one of the easiest ways to stay on top of your financial health. Here’s why it’s important:

• Spot errors early: Mistakes do happen. An incorrect default or missed payment could affect your ability to get credit.
  

• Detect identity theft: Unfamiliar activity could be a sign someone else is using your identity.
  

• Know where you stand: If you're applying for a loan or finance, it helps to know what lenders will see.

How to Get a Free Credit Report in NZ

In New Zealand, you can request your credit report for free from any of the three major credit reporting agencies:

1. Centrix Request your credit report
   

2. Equifax Request your credit report

   
   

3. Illion Request your credit report

   
   

You’ll need to provide some ID (such as a driver’s licence or passport) to verify your identity. Most agencies offer your report within 10 working days, and some provide instant access online.

What to Do If You Find a Mistake

If something doesn’t look right on your credit report, you have the right to ask for it to be corrected. Start by contacting the credit reporting agency that issued the report. They may need evidence from you or the organisation that listed the incorrect information.

At Harmoney, Your Full Story Matters

When you apply for a personal loan with Harmoney, we use comprehensive credit reporting. That means we consider more than just missed payments—we also look at your good repayment behaviour and responsible borrowing. It's part of our commitment to responsible lending and giving every customer a fair go.

Final Tip

Make it a habit to check your credit report at least once a year. It’s free, it’s easy, and it can help you stay in control of your financial future.

Disclaimer: This article is for general information only and does not constitute financial advice. For personalised guidance, please speak to a financial adviser.