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The Credit Reporting Privacy Code (CRPC) applies specific rules to credit reporters to ensure the protection of individual privacy. It addresses the credit information collected, held, used, and disclosed by credit reporters.
For credit reporters the code takes the place of the information privacy principles.
Credit Reporting Privacy Code 2020
There are three main credit reporting companies in New Zealand; Centrix, Equifax (formerly Veda), and illion (formerly Dun & Bradstreet). You can ask for your credit report from each company online:
The Credit Reporting Privacy Code 2020 gives you specific rights. These rights are summarised in the below document.
Credit Reporting Summary of Rights
You can access the summary of rights in the following languages:
Arabic | Fijian | Samoan |
Simplified Chinese | Hindi | Spanish |
Traditional Chinese | Korean | Tongan |
Farsi | Māori |
Credit reporters must display this summary on their websites and must provide it to people in certain circumstances, including when responding to a person's request for a copy of their credit report.
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Consolidated version of the CRPC 2004 incl. amdmts up to and including Amdmt No. 14 (consolidated as at 28 September 2017).
Major changes to New Zealand's credit reporting system came into effect on 1 April 2012. The first change to the law allowed a "positive" credit reporting system to operate in the country for the first time. Until then, New Zealand had run a negative credit reporting system that recorded defaults, bankruptcies and court judgments.
The second key change would enable consumers to “freeze” their credit reports if they are a victim of fraud. This is also called “suppressing” credit reports. It will protect people at risk from having new credit accounts opened in their name.
Other changes that came into effect included: