Accessing your file

Who can access your file

Your file isn't open to everyone. Companies need your permission to see it. But you've probably signed that right over countless times without being aware of it. In a surprisingly large number of application forms for finance, rental accommodation and other goods and services, this permission is in the fine print.

Some government agencies have the legal right to comb through your file without your permission, under circumstances provided for in the privacy law.

Viewing and changing your file

You're entitled under the Privacy Act to see what information companies hold on you, and to correct it.

Given the possibility of human error, it’s smart to check the accuracy of the information held in your credit file. You should do it every five years – or more often if you’re an active borrower.

Both Veda Advantage, and Dun and Bradstreet will supply you with a copy of your credit file free if you’re prepared to wait 10 working days – or for $23 (Veda Advantage) and $25 (Dun and Bradstreet) for a “fast track” 24-hour-turnaround service.

To access your file, you need to send a copy of your photo ID (for proof of your signature) and, if you're paying for the fast track service, your credit-card details (or a cheque). All of this is important info that you should keep secure – so we recommend you send it by courier, with the recipient’s signature requested, to prevent it getting into the wrong hands.

What to do if you credit file has errors

If your credit file has an error, seek a correction straightaway and in writing.

Set out your reasons clearly. Provide evidence where possible – otherwise your objections may be treated as delaying tactics. If the debt collectors call, tell them the debt is in dispute. Most debt collectors keep records of their phone calls, so take careful note of the date and time of calls and to whom you have spoken. You'll need your own records if there is an argument later over who said what.

If you can't resolve matters, complain to the Privacy Commissioner or take your dispute to a disputes tribunal or other court. 

Contact details

Veda Advantage
www.vedaadvantage.co.nz or www.mycreditfile.co.nz phone 0800 692 733.

Dun & Bradstreet NZ Ltd
www.dnb.co.nz phone 0800 733 707.

Farmers
Call 0800 101 170, or email help@farmersfinancecard.co.nz and request either certain aspects of your file, or the whole thing.