IMPORTANCE OF YOUR CREDIT RECORD
A credit report (or record) is a record of your credit history. It includes any payment defaults recorded against your name, and it also includes your credit rating.
Your credit rating is a score between 0 and 1,000 that credit reporting agencies assign to you based on your credit history. The higher the score, the better your rating. Businesses, banks and other organisations you engage with may look at your credit report to help them decide if they want to do business with you.
You have a right to free access to your credit record. You will usually receive your record within 10 days of applying for it. You may need to pay a fee if you need it quicker than that (within three working days). A credit reporting company cannot charge you more than $10 (including GST) to process your credit report application.
In New Zealand, there are three credit reporting agencies. If you want a full check of your credit record, you need to get a credit report from each of them:
👉Centrix – My Credit Report
👉illion - register to get your free credit report
👉Equifax - My Credit File
Our Bureau re-opens today from 9.30 a.m. to 3.30 p.m. Monday to Thursday and 9.30 a.m. to 12.30 p.m. on Friday. Please call us on 09 407 9829 or 0800 367 222. Email us on farnorth@cab.org.nz. Pop in and see us at 6 Cobham Rd., Procter Library Building, Kerikeri.
A riddle to start the festive season 🌲🎁🌟
I'm a fruit. If you take away my first letter, I'm a crime. If you take away my first two letters, I'm an animal. If you take away my first and last letter, I'm a form of music. What am I?
Do you think you know the answer? Simply 'Like' this post if you know the answer and the big reveal will be posted in the comments at 2pm on the day!
Want to stop seeing these in your newsfeed?
Head here and hover on the Following button on the top right of the page (and it will show Unfollow) and then click it. If it is giving you the option to Follow, then you've successfully unfollowed the Riddles page.
Make the holidays easier this year!
We’ve pulled together a few clever Christmas hacks thanks to Ryman resident, Sullen - simple ideas to save time and stress so you can enjoy more of the festive fun.
A few favourites:
- Hang tree lights vertically for an even glow
- Use reusable gift bags for quick, eco-friendly wrapping
- Prep food ahead to keep Christmas Day relaxed
Click read more for the full list of tips.
BEFORE YOU START YOUR CHRISTMAS SHOPPING
We have dealt a lot with cost-of-living issues this year.
Christmas shopping and catering for family & summertime visitors, can put a lot of strain on your family budget.
Check out this link to help you get through all the Christmas chaos - "How do I keep debts from getting out of control" - www.cab.org.nz....
Our volunteers are here to help. Give us a call on 09 407 9829 or 0800 367 222 or email farnorth@cab.org.nz. Pop in and see us at 6 Cobham Road, Procter Library Building, Kerikeri.
We are open Monday to Thursday 9.30 a.m. to 3.30 p.m. and Friday 9.30 a.m. to 12.30 p.m.
Loading…
