00:00Your credit score in New Zealand? It's not what you think.
00:03We don't actually use credit scores here.
00:06Instead, we use something called a credit indicator.
00:09It's basically a snapshot of your credit history.
00:12Lenders use it to decide if you're low-risk or high-risk.
00:16Things like missed payments? They'll hurt your indicators.
00:19But paying on time and keeping debt low? That helps.
00:23You can check yours for free through credit bureaus like Centrix or Illion.
00:27It takes like two minutes. Seriously, go check it out today.
00:31Your future self will thank you.
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