How Do I Get a Credit Report in 2017?

In 2017, many Kiwis will look to borrow money to buy a home, purchase a vehicle or consolidate debt. Fortunately, every resident of New Zealand can get a copy of their credit report for free. If you want it quicker, you will have to pay, but you can have a copy sent to your home or email address by filling out some of your personal information online.


To get a free credit report from Centrix, you will need to go to this link. A sample credit report from Centrix looks like this. Notice that the sample report has the following sections:

  • Name and Issue Date
  • Summary Information
  • Consumer Information
  • Account Information
  • File Access
  • Credit Defaults
  • Judgments
  • Insolvencies
  • Company Affiliations

Centrix allows you to have a copy of the report sent to your home address or you can have the copy emailed to you. The copy will likely come in an email as a PDF file.

Dun & Bradstreet

To get a free credit report from Dun & Bradstreet you will need to create a user account here. Unlike the Centrix web portal, all information of a credit report is behind a login. This means you will have to create a login before you can get any summary information about their services.

It is interesting to note that Dun & Bradstreet offers business credit reports and credit scores in the United States but does not offer personal credit reports and credit scores in the USA.

Veda Advantage

Get your free Veda Advantage credit report here. After filling out your information, you will get a printed copy or an electronic copy of your Veda Advantage credit report within 20 days, free of charge. If you want an instant or one day credit report you can find a product at this page.

Basically, if you want a one day credit report, you will pay $51.95. You can get a credit report in five days for $9.95. There is also the option to sign up for a $7.95 My Veda Alert program that will allow you to receive your credit report in one day while also getting monthly alerts throughout the year. You will pay $95.40 a year for this service.

*Nectar’s lending criteria and responsible lending checks apply.