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Credit And Banking In New Zealand

New Zealand's main credit bureau was previously Veda Advantage. Equifax bought Veda Advantage (previously known as BayCorp Advantage.) They have a separate site for information on ordering a copy of your Equifax Credit File.

They were previously related to the BayCorp Collection Agency, but no longer.

Centrix is another credit bureau, established in 2010.

A wholy owned subsidiary of Dun & Brandstreet is Credit Simple, which offers 1 - 1000 (most between 350 and 800) credit scores. They have parneners including The Warehouse, Co-op Bank, and Baywide, to offer financial products based on the individual consumer's credit history.

Information held by business about individual consumers is covered by the Privacy Act Of 1993, which is enforced by The Office Of The Privacy Commissioner.

Banks & Credit Card Issuers In New Zealand

Bank Of New Zealand

The Co-Operative Bank (formerly PSIS)

American Express

RaboBank (Also has RaboPlus)

Credit Unions

Banzpay (formerly Co-Op Money, formerly New Zealand Association Of Credit Unions)
Christchurch Emergency Services Credit Union Credit Union Auckland Credit Union Bay Health First Credit Union Fisher & Paykel Credit Union	Manchester Unity Friendly Society New Zealand Credit Union / NZCU NZCU Steelsands Police And Families Credit Union Unity Credit Union Wilson & Horton Employees Credit Union

Building Societies

Heretaunga Building Society

Napier Building Society

Nelson Building Society

Wairarapa Building Society

Retail Credit Cards

Freedom Furniture

Warehouse Stationery

Buy Now Pay Later Systems

Non-Bank Finance Companies

Active Finance (Broker)

General Finance

Gold Band Finance

Housing New Zealand Corporation

Marac (a division of Heartland Bank)

Medical Assurance Society

MCF - Mutual Credit Finance

New Zealand Home Loans

South Canterbury Finance

Approved Mortgage Brokers

Broadlands Finance

Crester Credit Co.

FMG Finance - Rural Financial Services

Gillies Group (Broker)

Mutual Credit Finance

PGG Wrightson Finance

St Laurence Property & Finance

DTR - Cash loans and hire purchase financing.

Cardlink - Monthly charge card for fuel and other vehicle expenses. Offers business or personal accounts.

Finance Now offers various types of loans and hire purchase financing.

The Financial Services Federation is a trade group.

Flexicommercial - Provides financing for small business equipment.

Gilrose Finance - Hire purchase financing.

i-finance (a division of Heartland Bank Limited) -

Instant Finance - Business and personal loans, with online application

Kiwi Income Property Trust - Issues prepaid cards that can only be used at their shopping centres.

Nova Medical Finance - New Zealand's only medical financing company.

Prezzy Card - Prepaid Visa card.

PayMate - Another online Person-To-Person payment system.

The Snapper is a prepaid, reloadable smart card which can be used on some buses (e.g. in Wellington), and also a few shops. It is issued by Infratil.

Turner's Auctions - Offers financing on car purchases.

The central bank is the Reserve Bank Of New Zealand.

The Financial Markets Authority is a government regulator.

The Commission for Fnancial Capability is a government agency oriented to financial education.

The Office of the Banking Ombudsmen is a non-governmental organization which oversees banks.

The New Zealand Bankers' Association (NZBA), Banzpay (formerly Co-op Money NZ), Retail Credit Association of New Zealand (RCANZ) and the Financial Services Federation are trade organisations.

Payments NZ sets standards and rules for payments between banks.

International Banking And Credit

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