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New Zealanders, here's the link to freeze your credit: https://www.centrix.co.nz/my-credit-score/suppress-your-credit-file/ https://www.centrix.co.nz/my-credit

by sivers 4y ago

New Zealanders, here's the link to freeze your credit: https://www.centrix.co.nz/my-credit-score/suppress-your-credit-file/ https://www.centrix.co.nz/my-credit-score/suppress-your-cred... Two years ago they made you submit a manual request then prove with a police file or something that you have real proof that you're in real danger of identity theft. Now it seems it's more automated.

lostlogin 4y ago
Are credit checks a thing in NZ? I’ve lived here all my life and have never knowingly had one run on me, and have no idea of my rating.
- ghewgill 4y ago
  It's a thing. You can check your score for free at https://www.creditsimple.co.nz/ https://www.creditsimple.co.nz/
  - xupybd 4y ago
    It's worth seeing how much data is stored against you.
  - robocat 4y ago
    Very scary: I signed up and they know a lot of personal information such as my bank account numbers (presented completely without obfuscation), and my exact mortgage amounts, plus other information that shouldn’t be so easily available. No actual authentication to sign up - presumably you can do so if you know a few personal details and somebodies driver’s license number or passport details (neither of which are secure information). Thanks G
    - boredumb 4y ago
      I believe it was nerd wallet, but I signed in a few years back and was surprised to see they had almost a decade of financial data on me. I don't recall them printing out my unobsfuscated account numbers but it was a bit unnerving regardless.
- Lerc 4y ago
  I remember being refused something (although I can't remember what) because my credit record was blank. I bought a bed on hire purchase specifically so I had a financial footprint.
  - Khartoum 4y ago
    I'm surprised that a standard "average" credit level can't be used as a starting point, and then every transaction afterwards is a difference against that default starting point. That is, no evidence in favour nor evidence against you.
    - nordsieck 4y ago
      > I'm surprised that a standard "average" credit level can't be used as a starting point, and then every transaction afterwards is a difference against that default starting point. > That is, no evidence in favour nor evidence against you. It's because this isn't a court of law. You're trying to convince other people to give you an unsecured loan. The default will never be an assumption of trustworthiness.
    - Ensorceled 4y ago
      The default assumption of a blank credit info in 2023 would have to be this person is either very young and probably a risk or a fake identity and certainly a risk. That’s why young people can only get small loans.
  - int_19h 4y ago
    In US, the usual way to handle this is to get a credit card backed by a security deposit, and use it to build up credit history.
hrrsn 4y ago
The other two agencies to freeze your credit with: Equifax: https://www.equifax.co.nz/credit-file-suppression https://www.equifax.co.nz/credit-file-suppression Illion: https://dbcsprodaecdn.azureedge.net/web/themes/cycnz/assets/static/SuppressionFactSheetCYCNZ.pdf https://dbcsprodaecdn.azureedge.net/web/themes/cycnz/assets/...

by sivers 4y ago

lostlogin 4y ago

Are credit checks a thing in NZ? I’ve lived here all my life and have never knowingly had one run on me, and have no idea of my rating.

ghewgill 4y ago
It's a thing. You can check your score for free at https://www.creditsimple.co.nz/ https://www.creditsimple.co.nz/
- xupybd 4y ago
  It's worth seeing how much data is stored against you.
- robocat 4y ago
  Very scary: I signed up and they know a lot of personal information such as my bank account numbers (presented completely without obfuscation), and my exact mortgage amounts, plus other information that shouldn’t be so easily available. No actual authentication to sign up - presumably you can do so if you know a few personal details and somebodies driver’s license number or passport details (neither of which are secure information). Thanks G
  - boredumb 4y ago
    I believe it was nerd wallet, but I signed in a few years back and was surprised to see they had almost a decade of financial data on me. I don't recall them printing out my unobsfuscated account numbers but it was a bit unnerving regardless.
Lerc 4y ago
I remember being refused something (although I can't remember what) because my credit record was blank. I bought a bed on hire purchase specifically so I had a financial footprint.
- Khartoum 4y ago
  I'm surprised that a standard "average" credit level can't be used as a starting point, and then every transaction afterwards is a difference against that default starting point. That is, no evidence in favour nor evidence against you.
  - nordsieck 4y ago
    > I'm surprised that a standard "average" credit level can't be used as a starting point, and then every transaction afterwards is a difference against that default starting point. > That is, no evidence in favour nor evidence against you. It's because this isn't a court of law. You're trying to convince other people to give you an unsecured loan. The default will never be an assumption of trustworthiness.
  - Ensorceled 4y ago
    The default assumption of a blank credit info in 2023 would have to be this person is either very young and probably a risk or a fake identity and certainly a risk. That’s why young people can only get small loans.
- int_19h 4y ago
  In US, the usual way to handle this is to get a credit card backed by a security deposit, and use it to build up credit history.

hrrsn 4y ago

The other two agencies to freeze your credit with: Equifax: https://www.equifax.co.nz/credit-file-suppression https://www.equifax.co.nz/credit-file-suppression Illion: https://dbcsprodaecdn.azureedge.net/web/themes/cycnz/assets/static/SuppressionFactSheetCYCNZ.pdf https://dbcsprodaecdn.azureedge.net/web/themes/cycnz/assets/...