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Credit Education | illion CheckYourCredit This site uses JavaScript Your browser does not support JavaScript or is currently disabled. Please enable JavaScript in your browser and refresh the page. Alternatively, you may well-constructed our Application for Personal Credit Report Form to receive a reprinting of your credit report in the mail. In wing to completing the form, you will need to provide the pursuit documents to verify your identity: A reprinting of your Driver's Licence, Passport, Birth Certificate or Proof of Age card; AND A reprinting of a document issued by an official soul (such as a utility snout or wall statement) illion adheres to the Privacy Act, Credit Reporting Code of Conduct and the National Privacy Principles by providing you with the right to obtain a reprinting of your credit report. Important Note: A security upgrade will be implemented to this website between 8:00 pm AEST on 22/09/2018 and 8.00 am AEST on 23/09/2018. There will be an outage of up to 12 hours during this time. However, if you have any issues accessing the website without this time, please contact Public Access Centre. Australia   Phone: 1300 734 806   Email: pac.austral@illion.com.au       New Zealand   Phone: 0800 362 222   Email: pacnz@illion.co.nz home personal merchantry faqs credit education my worth             credit education Three worldwide credit myths Most people have a credit score, but few understand the specifics of how it is constructed. Your report could be the difference between getting a loan tried or rejected, and there are many myths tying to how the report is constructed. Read increasingly » Six tips for future investors Saving money and securing a strong financial future is a priority for most Australian families today. Whether trying to map out a future for your children or simply hoping to personize your own well-appointed financial position, there are a number of variegated motives for investing money. Read increasingly » Three tips to save money on holiday: Part 2 Saving money whilst on holiday – and enjoying yourself at the same time – is no easy feat, but withTrammelsYour Credit’s quick tips, it’s possible to cut your financing and have a memorable, fun holiday. Read increasingly » Four reasons your credit vellum visitor might think your vellum is stolen As scams wilt increasingly sophisticated so do the security measures and banks are now increasingly capable of stamping out fraud in its tracks than overly before. Here are four worldwide credit vellum activities associated with fraud that could potentially raise watchtower wedding in your bank. Read increasingly » Teaching your children well-nigh personal finance Personal finance is something most children don’t learn in school, and until they grow up and find out for themselves first-hand how to upkeep and save, they remain blissfully unaware of the challenges and benefits that can come with personal finance management. Read increasingly » Three tips to save money on holiday: Part 1 It may sound like an oxymoron at first, but saving money whilst on holiday is possible if you’re finding your finances are getting a little tight. You can still enjoy your interstate or overseas holiday without breaking the bank, by pursuit the unelevated five tips to save money and travel smart. Read increasingly »GainsayID fraud by monitoring your credit report Identity fraud is a significant threat to New Zealanders, costing increasingly than $200 million in losses each year, with increasingly than 130,000 unauthentic annually. So how can you gainsay identity fraud? Read increasingly »Stavemortgage stress – know your credit report When you wield for a home loan, the credit provider will want to get a picture of your worthiness to pay them back. In wing to looking at your income and other financial information, lenders will trammels your credit report. Read increasingly »Lamistersubconscious fees in credit cards Many credit products contain seated fees, and a failure to read the fine print or understand what you’re signing up to when applying for new credit may impact you later on when you receive your bill. Here are some worldwide fees to squint out for at the outset of the sign-up process to ensure you’re not surprised when it’s time to pay your bills. Read increasingly » Talking to your partner well-nigh money Talking to your future spouse or boyfriend well-nigh money can be unromantic, but it’s essential for a healthy relationship and lamister unnecessary complications lanugo the track. Read increasingly » 5 money habits to unravel When it comes to managing personal finances, breaking the bad money habits is easier said than done. But when habits screw out of tenancy and threaten to take over your life, it’s time to take a good, nonflexible squint at your financial situation and make the visualization to unravel your bad habits. Read increasingly » Take a financial pledge this year This year, take tenancy of your debts and unzip your goals by making a financial pledge. This involves completing the sentence, "This year I will..." Read increasingly » 4 steps towards successful financial planning Financial planning is well-nigh how you manage and take tenancy of your financial situation. A worldwide misconception is that only wealthy people should undertake financial planning, but in reality everyone should plan for their financial future if they want to unzip unrepealable financial goals. Read increasingly » Three spending habits that could hurt your credit file Are you trapped in a vicious spending trundling and wrack-up your mazuma on things you can't afford? In January 2013, New Zealanders put approximately $5.6 billion on their credit and debit cards, with the stereotype person charging $52 to their credit and debit cards. During the month, $638 million was spent on hospitality and $285 million spent on apparel. With these figures in mind, it's easy to see how spending can get out of control. Read increasingly » New Zealanders to take on increasingly credit as conviction grows New Zealanders are expecting to take on spare credit and increase spending in the early part of 2013, driven by an improved perception of their household finances and a greater worthiness to imbricate existing credit obligations. These findings provide remoter vestige of rising consumer conviction and a recovery in New Zealand's economy. Read increasingly » Credit and debit vellum usage hits $6.8b in December New Zealanders put increasingly on their credit and debit cards in the lead-up to Christmas, with the value of electronic vellum spending totalling $6.8 billion, equal to data from Statistics New Zealand. Read increasingly » Cleaning up your credit history Viewing your credit report on a regular understructure is good practice to alimony yourself updated on how you manage your financial responsibilities, but what happens if your credit history is less than pristine? Read increasingly » New laws midpoint increasingly data on your credit file New laws passed by the Federal Parliament on 1 April 2012 midpoint that consumer credit reports are worldly-wise to start recording spare pieces of information. Read increasingly » Ease the financial worry for young New Zealanders With the local and global economy providing little enthusiasm, it’s no surprise that financial security has wilt the number one snooping of young people in New Zealand. Read increasingly » New year resolutions set to pay off for New Zealand Kiwis who resolved to make 2012 the year to write their debt remain on track, equal to the latest debt referral data released by illion today. Read increasingly » Top 4 personal finance apps Managing your money on the go has wilt easier with the range of mobile applications on the market. Here are our pick of the weightier four personal finance apps to help you get your upkeep on track. Read increasingly » Ten tips to getting out of debt For some, job layoffs and unforeseen external factors have loaded them up with debt. For most, however, debt is the result of irrelevant spending, poor money management, or both. Read increasingly » Stay protected versus identity fraud Nearly 40 per cent of people do not safely dispose of sensitive information – As part of the National Identity Fraud Week, here are some tips to protect yourself versus this type of fraud. Read increasingly » Financial worry to prompt cut in Christmas spendingSnoopingover finances has prompted Kiwis to tighten the purse strings over the Christmas period, with increasingly than two-thirds of people less likely to spend on non-essentials compared to the same time last year. Read increasingly » Three ways to save more: Part 1 With so many bills to be paid, many New Zealanders are struggling to put yonder any money. Here are three tricks you can hands incorporate into your everyday life to build up a mazuma reserve. Read increasingly » Kiwis in the visionless on credit reporting reforms Nine in ten New Zealanders remain in the visionless well-nigh what elements can be included on their credit report and four in ten are unaware they plane have a credit record, equal to research conducted by illion. Read increasingly » Am I financially healthy? Are your finances in order and your debts under control? If the answers to these questions are 'no', it's time you took a simple money health trammels to see if you are at low, medium or upper risk of financial distress. Read increasingly » How to manage your credit vellum Now that you've chosen a credit vellum that weightier suits your spending habits and needs, it's time to start thinking well-nigh how you can weightier manage this little piece of plastic. Read increasingly » Half of New Zealanders worried well-nigh financial situation Half of all New Zealanders are worried well-nigh their current financial situation tween a weaker economic outlook domestically and abroad, with nearly a third of people anticipating difficulties in meeting their credit obligations over the coming months. Read increasingly » Choosing a credit vellum This week, illion compares four variegated types of credit cards in order to help you make a largest visualization when applying for credit. Read increasingly » Comparing credit options The variety of credit options out there makes it very difficult to segregate what form of credit they should sign up for, as well as the advantages and disadvantages of each. Here, illion explains four credit options and what to watch out for. Read increasingly » Is debt consolidation right for you? Debt is an unavoidable fact of life, but when you start racking up a considerable value of bad debt, that's when you need to start to take touchable measures to modernize your financial standing. Read increasingly » Do you need a financial planner? Financial planning is much increasingly than just finding the right investment- increasingly, young people are employing sound financial translating that can help them manage mazuma spritz and set them up for the future. Read increasingly » illion welcomes new credit reporting reforms Today (1 April 2012) marks the prelude of new laws in New Zealand well-expressed what can be reported well-nigh an individual's credit history and repayments. Read increasingly » Good debt vs bad debt What is the difference between good and bad debt? Read on to find out more. Read increasingly » What to do if you have been scammed While prevention is the weightier cure, sometimes fraud does strike no matter what warnings you heed and precautions you take. Read increasingly » Managing your money with a mortgage Having a mortgage is a big financial commitment, but that doesn't have to midpoint that you live on a shoestring budget. Here are a few tips on how you can requite yourself a little increasingly spending money while paying for your mortgage. Read increasingly » How to stave relationship debtIncreasinglyoften than not, New Zealanders goof to do their homework on their partners surpassing merging their finances, which can result in an unifying of relationship debt. Here are four tips to help you stave this. Read increasingly » How to manage your credit vellum debt Racking up a credit vellum debt is a serious matter, yet many New Zealanders struggle to tenancy how much they put on their cards and goof to understand the consequences of not paying their snout on time. Read increasingly » Mortgage Fundamentals There are many variegated types of mortgages misogynist today, and it's important to determine which weightier meets your needs surpassing committing to such an important outlay.Surpassingyou get to that point, however, you need to learn some fundamentals well-nigh mortgages in general.Unelevatedare some nuts to get you started. Read increasingly »Alimonyyour credit vellum in trammels From small beginnings in the 1950s, credit cards are now a staple for wallets and purses virtually the world. While credit cards can be a handy option when your own money isn't readily available, they moreover siphon a number of risks. However, if you manage your credit vellum well, you can powerfully reduce the risks. Read increasingly » Prevent season's thieving's Online shopping has wilt an increasingly popular way to stave the Christmas crowds BUT, with the increase in online shopping comes greater exposure to fraud. The key to protecting yourself is to take a few simple precautions which could save you a significant value of pain. Read increasingly » Managing your credit history Your credit report shows how well you manage your financial responsibilities by recording negative credit events such as defaults (payments that are 30+ days past due) and bankruptcies. To powerfully manage your credit history, follow these simple tips. Read increasingly » Don't wilt a victim: Preventing identity fraud It seems like only a few years ago that identity theft was scrutinizingly unheard of. However, today it is an increasingly worldwide treason which, if it hasn't unauthentic you, it has probably unauthentic someone you know. Yet preventing yourself versus identity theft doesn't have to be a ramified processes, follow a few simple steps to ensure that you don't wilt the next victim. Read increasingly » © 2017 illion New Zealand Marketing Services Limited, all rights reserved for New Zealand | illion CheckYourCredit | Need help? Call 0800 362 222Well-nighUs · Contact Us · Privacy · Terms & Conditions · Complaints · Browsing Requirements · Error Close