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.
- Date report generated/refreshed
- File Number
- John Test Smith
- 1 Queen Street, Auckland
- Previous Address
- 36 Maximin Cus, Mod Esene, Auckland
- Enquiries 1-6 months
- Enquiries 6-12 months
- Enquiries 12-24 months
- Enquiries 24 + months
- Defaults 1-6 months
- Defaults 6-12 months
- Defaults 12-24 months
- Defaults 24 + months
- Personal Insolvency
- Debt Repayment Orders
ANZ Bank - Mortgage
- Start Date
- Cease Date
- Credit Limit
- Account ID
- Payment Status
- Last Reported
- Aug 2021
Late account repayments - past 12 months
Repayment History Explained
- 1 - 29 days past due
- 30 - 59 days past due
- 60 - 89 days past due
- 90 - 119 days past due
- 120 - 149 days past due
- 150 - 179 days past due
- 180+ days past due
- No information recorded
- No payment due
Need some help understanding all of this?
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).
- What is my credit score?
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.
- What do I do if I think my Centrix credit report is wrong?
If you think your Centrix credit report contains incorrect information, such as an enquiry or an account with a credit provider that you have not initiated, you can make a request to correct it by contacting Centrix at email@example.com.
- How long is information displayed on my Centrix credit report?
The Credit Reporting Privacy Code 2004 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.
- What are my rights?
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.
- What if I think Centrix has breached the Code?
- What if I have had my identity stolen?