Credit Check

Why Choose Us About Us Legal Terms and Conditions

At One NZ, we prioritise the financial well-being and stability of our valued customers. As part of our commitment to responsible lending and risk management, we request our customers to undergo a thorough credit assessment.

We assess our customers’ creditworthiness to ensure that you do not take on financial responsibilities beyond your capacity. By understanding your credit profile, we can make informed decisions and maintain a healthy balance between credit lending and risk exposure. This approach allows us to customise our products and services to meet your specific needs while avoiding undue pressure on your finances.

We have partnered with Credit Bureau Agencies such as Centrix and Illion. They provide credit reports that help us make the informed decisions for our customers and One NZ.

The information we collect about you may be held by us while you are using our services and for a period of time afterward. However, we retain this information only for as long as we are legally entitled to use it in accordance with our Privacy Policy.

We appreciate your understanding and cooperation as we work together to create a secure and sustainable financial environment for everyone involved.

Credit Check Disclosure Statement

As part of the application process, I’ll ask you a few questions.

The identification documents you share with us — such as your driver’s license or New Zealand passport — will be validated with the New Zealand Transport Authority Waka Kotahi or the Department of Internal Affairs. Please refer to their privacy policies for how they handle your personal information.

If you choose an Interest Free payment option or Broadband, we’ll need to perform a credit check. Don’t worry—this is a standard procedure. We’ll collaborate with credit bureau agencies like Centrix and Illion to retrieve your credit report. This helps us make an informed decision.

These credit bureau agencies will receive and may use your information for credit reporting purposes and to update their credit reporting databases. They may also provide your credit information to other third parties that they contract with for credit reporting purposes.

Additionally, for credit affordability purposes, we may need more information about your income and expenses. This is all part of ensuring that your Interest Free Purchase is accepted. The information we collect will be used to assess your financial situation and help us make the best decision for you.

As always, our practices are in accordance with our Privacy Policy. Your privacy and trust are of importance to us. Supplying the information above is voluntary, however we will not be able to continue with your application for Interest Free or Broadband. We may need to make a fine status request. In that event, the fine response from the Ministry of Justice will be disclosed to us and our credit bureau agency, Centrix.

Are you okay to proceed?​

FAQ's

What if I don't want to go through a Credit Check?

We appreciate your concern. As part of the Interest Free purchase application process, we perform a credit check to ensure a smooth experience for all customers.

Supplying information for a credit check is voluntary, however we will not be able to continue with your application for interest free or Broadband.

Alternatively, you can consider purchasing the device outright and signing up for a SIM-only plan.

What information is in my Consumer Credit Report?

Your Consumer Credit report is a document that provides insights into your financial history. It includes details such as personal information you may have shared with companies in the past. Below, we’ve broken down what could be included in your credit file;
  • Credit Score: A numerical value between 0 and 1,000 that reflects your bill and payment management. Higher scores indicate better credit ratings.
  • Consumer Information: Includes your name, any aliases, known addresses, and date of birth.
  • Driver License or Passport Verification: If you’ve provided these details for identity verification, they’ll be displayed in the file.
  • Account Information / Account Arrears: Comprehensive credit account details, including credit extended, account status (open or closed), and repayment history.
  • File Activity: Logs accesses to your credit file, tracking who has viewed it.
  • Credit Defaults: Displays current or past defaults, along with repayment information.
  • Judgments: Records court judgments related to outstanding debts.
  • Insolvencies / Debt Repayment Orders: Information about bankruptcy and debt repayment orders.
  • Company Affiliations: Details about directorships and shareholdings from the New Zealand Companies Office.

Remember, this information helps ensure transparency and responsible lending practices!

What information is in my Business Credit Report?

Your Business Credit report is a document that provides insights into your financial history. It includes details such as company information you may have shared with companies in the past. Below, we’ve broken down what could be included in your credit file;
  • Credit score
  • Company information, including previous registered and trading names
  • Registration period
  • Director’s names
  • Shareholder names, shareholdings, and affiliations if any
  • Credit defaults, insolvencies, and judgements if any
  • Credit enquiries

What influences my Credit Score?

Factors influencing your credit score include:
  • Repayment History: How well you’ve managed payments.
  • Types of Loans: Secured or unsecured credit.
  • Length of Credit History: How long you’ve had credit accounts.
  • Debt Usage: The amount you owe relative to your credit limit.
  • New Account Applications: Applying for new credit can impact your score.

Here are some steps you can take to enhance your credit score:
  • Pay Bills Timely: Settle all accounts promptly.
  • Clear Defaults: Clear outstanding credit defaults.
  • Limit New Accounts: Avoid opening too many accounts.

What is an Affordability Check?

An affordability check is a thorough evaluation that helps determine whether an individual or a company can manage the cost of a specific item, service, or financial commitment without
jeopardising their overall financial well-being.

Affordability Check Process - What You Need to Know

Email Notification for Affordability Check: If you’ve requested an Interest Free Payment term and your credit files with our partners Centrix and Illion lack sufficient information, you will receive an email from noreply@service.one.nz to undergo an affordability check.

Additional Information Required: We need details about your income and expenses. Don’t worry—it’s a quick process that you can complete using your mobile phone, laptop, or tablet. Make sure you have your internet banking credentials handy, as our system doesn’t work with mobile banking apps.

Relevant Transaction Details: Only relevant transaction data is shared with One NZ. Our system often makes automatic decisions based on this information. If there’s an issue or you need a re-evaluation within 72 hours, our Credit Review Team will step in.

Data Retention: Our partner, Illion, will send us the outcome of your bank account details. They’ll permanently delete all records within 72 hours. The approved or declined outcome will be stored in One NZ’s systems for audit purposes for 42 months.

Loading Bank Statements:

1. Illion Bank Statements:
  • Secure Retrieval: Use this tool to securely retrieve copies of your bank statements. Log in directly using your online banking credentials.
  • Credential Safety: Your credentials are not saved or shared with anyone else. Illion can only access your information for a limited time after the bank connection is established.
  • Bank-Level Encryption: Our service employs bank-level encryption for maximum security.
  • Password Change Option: If you prefer, you can change your banking password after using the tool.
  • Single-Use Link: The link provided works only once, ensuring no unauthorised access. Please have your user ID, password, and anything else you need to log into your internet banking handy.

2. Manual Upload:
  • Alternatively, you can manually upload your last 90 days’ worth of statements. Keep in mind that manual uploads may take longer and could delay our review process.
  • We only accept pdf copies of the statements, where these have come directly from your bank.

Accepted Format: We don’t accept screenshots or printed copies of Bank Statements. Please avoid .jpeg files.

Alternatively, you can explore our Prepay mobile plans or opt for purchasing the device outright.

How do I get my credit report?

We collaborate with credit bureau agencies like Centrix and Illion. You can sign up online and access your credit report and score free of charge. It will give you a better understanding of the information we have reviewed:

Requesting my credit report, does this impact my credit score?

Don’t worry! Getting a copy of your credit file multiple times won’t impact you. In fact, you can subscribe with Centrix to receive a copy every month, along with updated credit scores. So, if you’re carefully monitoring your own file regularly, there’s no negative impact.

Do credit checks impact my scores?

Each search leaves a trace on your credit file. Multiple searches can potentially impact your credit score, making it harder to secure credit in the future.

Other companies pay attention to search volume as well. High search numbers might raise concerns elsewhere, potentially affecting credit approvals. It’s crucial to give consent before any credit check.

How do I request a copy of my information from One NZ?

You can request access to your personal information that we hold about you. Additionally, you can request corrections to your personal information.

Is my data safe?

We understand that you’re sharing personal information with us, and we appreciate your trust. We take data protection seriously.

We retain this information only for as long as we are legally entitled to use it in accordance with our Privacy Policy.

Why was my application declined?

If we are not satisfied with the information provided by the Credit Bureau Agency (Centrix/Illion) and/or an affordability check, we may:

  1. Decline the application for the Service.
  2. Ask for a higher deposit for Interest Free purchases and/or impose other conditions on your Service (including a mandatory payment method or credit limit) or
  3. We may also limit the value of the service/product you choose, which means opting for a more affordable option with a lower monthly payment or
  4. Provide a restricted Service (Plan Only)
    • This means you can enjoy our services and access all the benefits of our network and plans. This option allows you to build your payment history with us.

Alternatively, you can explore our Prepay mobile plans or opt for purchasing the device outright.

Terms & Conditions

Credit checks: You give us permission to run credit checks and ongoing assessments on you when we think, acting reasonably, that it’s appropriate. If you do not meet our standard credit check requirements as a result of those checks, we might restrict your Service or stop providing it to you. One NZ Consumer and Residential Broadband terms apply.

Privacy Policy: One NZ New Zealand Limited is committed to protecting your personal information. The information that we collect about you may be held by us while you are using our services and for a period of time afterwards, but only for so long as we are legally entitled to use the information in accordance with this Privacy Policy.

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