Are credit checks a thing in NZ? I’ve lived here all my life and have never knowingly had one run on me, and have no idea of my rating.
No actual authentication to sign up - presumably you can do so if you know a few personal details and somebodies driver’s license number or passport details (neither of which are secure information).
Thanks G
That is, no evidence in favour nor evidence against you.
> That is, no evidence in favour nor evidence against you.
It's because this isn't a court of law. You're trying to convince other people to give you an unsecured loan. The default will never be an assumption of trustworthiness.