Thursday, March 03, 2022

NZ Credit Scores - WTF?

I haven't done this in a very long while, but I recently looked into my credit scores and reports in NZ. I check my US reports and scores every year, as well as keeping up with them on Credit Karma, but have neglected my NZ ones. 

I find it quite odd that while my US credit scores are roughly similar, my NZ scores are very, very different. Check it out:

 

Illium:

 

 

Centrix:

 

 

 Equifax:


 

 

I wonder what is causing these differences? And which would be used if I applied for, say, a home loan?