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Bootcamp

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What’s in my credit file?

Your credit file is a breakdown of everything finance providers and utility companies need to
Harmoney
Harmoney
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What is Comprehensive Credit Reporting?

Harmoney was one of the first companies in New Zealand to use positive credit reporting in
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Harmoney
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Why your credit score matters

Your credit file is a record of your credit history - the good and the bad.
Harmoney
Harmoney
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What Does Your Credit Score Say About You?

It’s important to remember that your credit score is more than an abstract number. our
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Harmoney
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Nine things you should know about your credit score right now

Credit score. Two small words with the potential for a big impact on your financial plan
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Harmoney
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Rehabilitating your credit file

For lenders your credit file will generally have more influence over your loan application than
Harmoney
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Harmoney Services Limited (FSP593769) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

 

By using this website, you are deemed to accept our Customer Service Terms.  

Location
 

Level 3, 110 Customs Street West, Auckland CBD, Auckland 1010

 
Contact

customerservice@harmoney.co.nz

0800 427 666 (0800 HARMONEY)

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Terms and conditions

 

1. Loan terms subject to availability.

 

Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

 

2. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.


Copyright © 2026. All rights reserved.

 

This website is provided for general information purposes only, and does not take your individual circumstances and financial situation into account. It is not intended to constitute legal or financial advice.