New Zealand’s most affordable and effective tenant check with instant results!

Yes we advise to check a tenant’s ID at the viewing. We can check if they verify details they provided.

We recommend you do a proper tenant screening as some insurance companies need you to present a proof of vetting all adults in the property when submitting damage claims.

One of the most important steps of any tenant screening process is credit checking. A credit report can give you a good idea of whether or not your tenant will pay their rent on time or not.

1. Ask for photo ID/ consent from tenant (normally included in per-tenancy application)
2. Enter full name, address and choose the type of search
3. Pay per name
4. Get your result
Check our sample result Sample result

Your credit score goes up and down based on what you do with your money. If you have bad credit, or if you have no credit history at all, there are actions you can take to improve your credit score.

Improve your credit score
Make payments on time: This goes for loan repayments and bill payments.
Pay credit card in full: Do this every month to build good credit.
Check your credit scores: You need to check all three credit reporting companies and make sure the information they have is accurate. Ask for any errors to be fixed. If you are turned down for a loan, check your credit history and fix any errors before applying for more loans. (See credit reporting company details and how to fix errors in your credit report below.)
Don’t share bills: Make sure your name isn’t on any bills with other people, eg if you live with flatmates and the power bill has all of your names on it, your credit score could drop if your flatmates don’t pay the bills.
Limit credit applications: Every time you apply for credit, the lender will do a credit check. Each check negatively impacts your score. Only apply for what you really need.
Limit payday loans and quick finance options: Seeing these on your credit history can make lenders think you aren’t good with money.
Cancel unused credit cards and accounts: Multiple sources of credit don’t look good on your credit history. If your credit card/store card isn’t getting used, cancel it .
Wait for the time limits: Items on your credit history stick around for a set amount of time, four to five years. If you want to apply for new credit, wait until the old history disappears off your credit report, if possible.

No credit is almost as bad as poor credit. It gives a future lender no information about you as a risk, which might lead them to turn you down.

A clean slate Criminal Record check is the most common type of check, and for most jobs, the only type of check that anyone can legally request of you.

– Missed payments: This can be everything from loans to bill payments.
– Defaulting on payments: A default is where a payment over $125 is overdue by more than 30 days and the lender has tried to recover the money. This stays on your credit record even if you repay the amount in full.
– Insolvency: Filing for one of the three types of insolvency — debt repayment plan (also called summary instalment orders), no-asset procedure or bankruptcy.
– Applying for too much credit: Applying for multiple sources of credit in a short space of time, eg applying for four credit cards in three months.
– Multiple credit checks: Many agencies/organisations checking your credit score shows you may be seeking more loans or credit than you can afford.
– Credit transfers: Shifting debt from one credit card to another.
– Debt collections: You owe money and your debt has been passed on to a debt collector.
– Hardship applications: If you applied for hardship with a previous loan, eg repayment holiday.
– Payday loan and quick finance applications: With their high interest rates, other lenders may consider these a last resort.
– No credit: Having no credit history means there’s no way for future lenders to see if you are a risk or not. This can have the same negative impact as having bad credit.

A Criminal Record (also known as a criminal conviction history, or CCH) is the history of your criminal and traffic convictions in New Zealand, held on the computer systems of the Ministry of Justice. Our process is paperless and only takes 3 working days.

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A lender, business or potential employer might ask for a credit check to get a sense of how reliable you are with money. You might be asked for a credit check when applying for loans, credit cards, mortgages, bank accounts, phone contracts, car finance, insurance and rental accomodation.

If the lender or business thinks your credit history makes you seem risky, they might reject your application.

In most cases, the person or business wanting a credit check must get your consent first. Consent is not needed for some organisations and businesses, eg certain public sector agencies, debt collectors.