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. The higher the score, the better your credit rating.
Centrix - Credit Bureau of New Zealand

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    Score

    000

    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
    19/08/21
    File Number
    XXXXX

    Personal Information

    Name
    John Test Smith
    DOB
    1/01/80
    Address
    1 Queen Street, Auckland
    Previous Address
    36 Maximin Cus, Mod Esene, Auckland

    Summary Information

    Enquiries

    Enquiries 1-6 months
    x
    Enquiries 6-12 months
    x
    Enquiries 12-24 months
    x
    Enquiries 24 + months
    x

    Defaults

    Defaults 1-6 months
    x
    Defaults 6-12 months
    x
    Defaults 12-24 months
    x
    Defaults 24 + months
    x

    Adverse Information

    Judgements
    x
    Personal Insolvency
    x
    Debt Repayment Orders
    x

    Accounts

    1. ANZ Bank - Mortgage

      Status
      Active
      Start Date
      1/01/17
      Cease Date
      -
      Credit Limit
      $320,000
      Relationship
      Joint
      Account ID
      xxxxxxx
      Payment Status
      Current
      Last Reported
      Aug 2021
      Late account repayments - past 12 months
      AUG
      2021
      JUL
      JUN
      MAY
      APR
      MAR
      FEB
      JAN
      DEC
      2020
      NOV
      OCT
      SEP

    Repayment History Explained

    Current
    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
    Hardship
    Re-aged
    Other
    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 mycreditreport@centrix.co.nz.

    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?

    If you think Centrix has breached the Credit Reporting Privacy Code 2004, you should contact Centrix directly at admin@centrix.co.nz.

    What if I have had my identity stolen?

    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.

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