For tenants

  • 1. About Tenancy Tracker

    Tenancy Tracker is Trade Me’s new tenancy application system. It’s designed to help tenants apply for properties with ease. Within Tenancy Tracker you can keep tabs on the properties you have applied for, see what status they are at, and withdraw your interest if you no longer need a property.

  • 2. Who can use Tenancy Tracker?

    Anyone who’s a Trade Me member can use Tenancy Tracker. If you’re not a Trade Me member, you’ll need to register for an account. You can also sign in to Tenancy Tracker using Facebook.

  • 3. How do I apply for a property?

    A property manager will send you a link to apply for a property, or you can use the green 'Apply now' button on the listing. Log in with your Trade Me account details. If you’re not a Trade Me member you'll need to register first. You can also sign into Tenancy Tracker using Facebook. Once logged in, you’ll be able to fill in an application form. Forms for future properties you apply for can also be auto-filled to speed up the process when applying.

  • 4. How do I log into Tenancy Tracker?

    Select 'Log in', then select ‘I’m a tenant’ and enter your Trade Me member log in details. If you’re not a Trade Me member you'll need to register first. You can also sign into Tenancy Tracker using Facebook. Once logged in you can also see what properties you’ve applied for and what status each is at. You can also withdraw your interest from a property(s) you’re no longer interested in.

  • 5. Why can't I see the 'Apply now' button when I look at rental listings on my mobile device?

    For now this feature is only available on our desktop site.

  • 6. Your FAQs aren’t getting me far, can I get some help please?

    No problem, please get in touch with our Customer Support team via our contact us page.

For Credit Checks

  • 1. What is a credit check?

    A credit check is a summary of your credit history. It looks at all the times you’ve been given credit by a bank or company, and whether you are making regular payments or paid it off in time.

    It also records any defaults against your name - that’s where a payment has been overdue for more than 30 days, and steps have been taken to recover the outstanding amount. A default can stay on your record for five years, even after you’ve paid off the full amount.

    Rental providers, and others, use credit checks to help predict how you will behave in the future. The more information available, the more accurate the prediction will be.

    You are given a score based on how reliable your repayments are. A good score, or a ‘clean’ credit check, can quickly show a rental provider that you are a suitable tenant; with little effort on their part.

  • 2. What does a credit check include?

    Your credit check will include your payment history for:

    • Credit cards
    • Mortgages
    • Car finance
    • Hire purchase agreements

    It might also include your payment history for bills like electricity or phone accounts.

    Credit Checks provided by Centrix may not include all the credit information that Centrix holds about you. Rather, they will only contain credit information that Centrix ordinarily provides to rental providers when considering a tenancy application.

  • 3. Am I eligible to purchase a credit check using the Tenancy Tracker?

    Yes, if you have a New Zealand drivers licence or New Zealand passport, and hold a valid credit card.
  • 4. Why should I include a credit check with my application?

    It covers all bases. The multi-bureau check contains the most comprehensive credit information available in the market, because it uses data from every credit bureau operating in New Zealand.

    It’s a chance to impress. It’s optional, so if you choose to include this information, you’re sending a clear message that you’re serious about the property.

    It’s valid for 90 days. That means you can apply for as many properties as you want with the same credit check.

  • 5. Where will Trade Me get my credit history from?

    Trade Me offers a multi-bureau credit check. That means it will include data from every credit bureau operating in New Zealand.

    There are three credit reporting bureaus in New Zealand:

    • Centrix
    • illion
    • Equifax
  • 6. Can I get my credit history directly, by myself?

    You have the legal right to request the information held about you by a credit reporter. It’s free to get a copy of your credit record but if you want that information quickly, you’ll need to pay for it.

    Trade Me’s multi-bureau check contains the most comprehensive credit information available, as it collects data from every credit bureau operating in New Zealand, and you’ll receive it immediately.

  • 7. How do you get a credit history?

    You have a credit history if you’ve ever done any of the following in New Zealand:

    • Had a loan
    • Had a bank overdraft
    • Used a credit card to buy something
    • Needed a payday advance
    • Bought something on hire purchase (including interest-free deals)
  • 8. What happens if I don’t have a credit history? Can I ‘get’ one?

    If you don’t have a credit history, it means you’ve likely never:

    • Had a loan
    • Had a bank overdraft
    • Used a credit card to buy something
    • Needed a payday advance
    • Bought something on hire purchase (including interest-free deals)

    Or maybe you have a credit card or accounts that you haven’t used for a while.

    There are a number of things you can do to build up a good credit history - reach out to your bank or a financial advisor for guidance.

  • 9. What happens if my credit history isn’t ‘clean’?

    A credit history shows potential lenders or others, like landlords, how reliable you are at meeting your financial obligations. A ‘clean’ history means you have access to more options.

    If you don’t have a ‘clean’ history, don’t worry. You’re not stuck with it forever and there are a number of things you can do to improve it. The first step is getting a current credit report, so you can see where the negative information is coming from and direct your attention there.

    Credit reports sometimes also contain errors, as a result of ID fraud for example, so it’s important to check everything is correct. If you spot a mistake, you should immediately report it to the credit bureau - they are required by law to investigate and report back to you.

  • 10. How can I contact the bureaus directly?

    There are three credit bureaus in New Zealand. You can contact them using the details below.

  • 11. What happens when my credit check expires after 90 days?

    After 90 days, your credit check will no longer appear on your records so you won’t be able to attach it to your property applications.

    If you want to apply for another property after your credit check has expired, you will have to buy a new credit check. This will then again be valid for 90 days.

  • 12. Who will I be able to see my credit check once I attach it to my application?

    When you apply for a property and attach the credit check, it’s automatically sent to the property’s agent, and their agency. That means any agent in the office you’ve sent the application to will have access to your credit check.

  • 14. Will Trade Me keep my credit history information?

    Trade Me will keep your credit history for 90 days. Trade Me will delete your credit history after your credit report has expired.

  • 15. Will I get a refund if my credit information isn’t available?

    Yes, you will receive an email if it’s not possible to process your credit check and instruction on the refund process.