Your Personal Information.
The way your data is lodged with NZC is by a creditor lodging the information into the database electronically. The information provided by the creditor tends to be whatever information they have. This could include your name, date of birth, phone number, email address, references and other personal information.
When they lodge the debt, this data is password protected and encrypted so it is held in a safe and secure way.
All of our staff are trained in the principals of the Privacy Act so they know who they can speak to and what they are permitted to say.
We offer other services to property managers including an online Tenancy Application form.
No data from that form is sent to NZ Collections or any other Debt Collection agency. Our business units are separate and no data is shared between them. This is not possible because the data is encrypted.
The standard process once a tenant applies for a property is for the property manager to run a credit check before they accept you as a tenant and enter into a tenancy agreement.
The report they receive will show the tenancy applicant’s credit worthiness, along with the type, status and amount owing of a debt that has been loaded against them with that credit bureau.
These outstanding defaults on a person’s credit report are what property managers look out for to help guide them on whether the applicant is appropriate for the tenancy. Defaults that have a paid status show the property manager that the tenant applicant has settled that account.
We work with debtors to help clear their defaults- by getting them into a paid or paying status.
This should help debtors and tenants when they are looking for rentals in the future.
Watch this video below to watch the data process from beginning to end!