Check your credit before you apply for a car loan.
Your credit reports are free, and Centrix says asking for your own is not a credit enquiry. Pick how you want to handle it.
What fixing it yourself means
- What you get
- A free two-page checklist with the steps in the order to do them.
- What you do
- Get your reports from Centrix, Equifax and Experian, check them against the list, and dispute genuine errors yourself.
- What happens next
- Nothing, unless you ask. When you are ready, you can see your car loan options.
- Cost
- Free.
Thanks, here is your checklist. Download the PDF
What getting our help means
- What you get
- Your credit report explained in plain English, and what to do next before you apply.
- What you do
- Send us your details below. We call your mobile within one working day to arrange how you send your report.
- What happens next
- We go through it with you. We do not fix credit or remove defaults. Only genuine errors can be disputed.
- Cost
- Free.
Thanks, we have your details. We'll be in touch on your mobile within one working day to arrange your report.
Get your reports from all three bureaus
Each bureau can hold different information, so ask all three.
With a NZ driver licence or passport it is usually processed the next working day. Other ID takes 5 to 10 working days.
Go to centrix.co.nzDispatched within 10 business days. A paid express option ($9.95) arrives in 3 business days.
Go to mycreditfile.co.nzFree through its CreditConnect login, at least every quarter. Old illion accounts were moved across.
Go to experian.co.nzWhat to look for
Tick each one as you check it against your reports.
0 of 5 checked
Found a mistake?
- 1
Write to the lender that supplied the information and to the bureau. Attach your evidence.
- 2
The bureau must flag the item as disputed while it checks.
- 3
If it will not correct the entry, you can ask for a note of your side to be added to your file.
- 4
Still stuck? Complain to the bureau first, then to the Privacy Commissioner (privacy.org.nz).
Only genuine errors can be disputed. A correct default stays on your file for its full period, even after you pay it. What can and cannot be removed.
How long things stay on file
- Credit application
- 5 years from the application date
- Enquiry record
- 4 years from the enquiry date
- Payment default
- 5 years from the default date, even after you pay it
- Court judgment
- 5 years from the judgment date
- Single bankruptcy
- 4 years from discharge
Ready to look at car finance now?
Four quick questions give you an indication of your options. Fair Finance is not a lender, and there is no obligation.