Consumer Credit Report

Reduce your risk

Centrix credit reports help you reduce risk when lending to consumers or businesses, or providing goods and services on account, to be paid for at a later date.

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We hold the most comprehensive consumer credit information database in New Zealand – with credit information for over 4 million Kiwi consumers.

About the Report

Since 2009 we’ve been helping Kiwi businesses of all sizes to make quick and confident risk assessments, whilst complying with the latest regulations. We hold the most comprehensive consumer credit information database in New Zealand – with credit information for over 4 million Kiwi consumers (95% of the adult population). This information is sourced from credit providers, third party data sources and debt collection agencies.

Consumer Credit Report helps you make informed decisions about new and existing customers, and company directors. You’ll be able to view defaults, enquiries, any company affiliations the individual has and insolvency records. You’ll also receive an easy-to-read credit score that provides a snapshot of an individual’s creditworthiness – the lower the number, the higher the risk.

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Benefits of Consumer Credit Checking

In NZ, every business has a credit score between 1 – 1,000. The higher the score the more likely you are to get paid.

Consumer Credit Report Example

Make quick decisions with real-time data
Say “yes” to your customers quickly
Manage your risk
Take on more good customers
Set the right credit terms for each customer
Consistency across the assessment process

What a Consumer Credit Report Includes

Credit score
Personal information, including previous names and addresses
Account information
Credit defaults, insolvencies and judgements, if any
Credit enquiries
Company affiliations
Property ownership

Consumer Credit Reports also include optional drivers licence verification to help you verify a consumer’s identity, and a record of any outstanding court fines they owe, at no additional charge.

See an example report

FAQ’s

Under Construction

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Our Services

Business Report

Business Credit Reports give you comprehensive business credit data to assess the risk of new customer account applications and new supplier arrangements. The reports give you deep insights into a company’s past credit behaviour, delivered in an easy-to-read format.

Customer Report

Centrix credit reports help you reduce risk when lending to consumers or businesses, or providing goods and services on account, to be paid for at a later date.

Tenancy Report

Make informed tenancy decisions quickly with our Tenancy Credit Check. With Tenancy Check, you get all the information included in a Consumer Credit Report plus you can access Tenancy Tribunal files and gauge an individual’s creditworthiness – the lower the number, the higher the risk.