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Credit score

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How Does Harmoney Check My Credit Score, and What Impact Does It Have on My Application?

Learn how Harmoney checks your credit score in New Zealand. We explain the
Harmoney
Harmoney
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Five things you didn't know impacted your credit score

Whenever you apply for credit—whether it’s from a bank (even if you’re an existing
Harmoney
Harmoney
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10 ways to improve your credit score

It’s a simple formula: the higher your credit score, the lower your risk of defaulting—
Harmoney
Harmoney
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Understand what impacts your credit score

Here are answers to some common questions around the things that can impact your
Harmoney
Harmoney
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Why your credit score matters

Your credit file is a record of your credit history - the good and the bad.
Harmoney
Harmoney
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How to Build a Good Credit Score from the Start

A credit score is a relationship you have for life — or at least from the moment you open
Harmoney
Harmoney
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Five credit score myths busted

If you're trying to improve your credit score, you could be doing it all wrong. Here are five
Harmoney
Harmoney
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What Does Your Credit Score Say About You?

It’s important to remember that your credit score is more than an abstract number. our
Harmoney
Harmoney
4 min read
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Nine things you should know about your credit score right now

Credit score. Two small words with the potential for a big impact on your financial plan
Harmoney
Harmoney
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You're more than just your credit score

So you’ve gone ahead and found out your credit score from one of New Zealand’s
Harmoney
Harmoney
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Welcome to Credit Score Bootcamp

Do you know your credit score? Do you know the difference between your cred
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Harmoney
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Nine ways to improve your credit score

It’s a simple formula: the higher your credit rating, the lower your risk of defaulting
Harmoney
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Harmoney Services Limited (FSP593769) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

 

By using this website, you are deemed to accept our Customer Service Terms.  

Location
 

Level 3, 110 Customs Street West, Auckland CBD, Auckland 1010

 
Contact

customerservice@harmoney.co.nz

0800 427 666 (0800 HARMONEY)

Terms and conditions

 

1. Loan terms subject to availability.

 

Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

 

2. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.


Copyright © 2025. All rights reserved.

 

This website is provided for general information purposes only, and does not take your individual circumstances and financial situation into account. It is not intended to constitute legal or financial advice.