Fines and Credit Scores don’t go together

Credit  Scores

It may sound simple to some of you, but many people will avoid checking their credit scores because they believe they have bad credit.

After a bit of investigation, I find that they have good credit, they just have lots of fines with the Ministry of Justice.

Fines and Credit Scores don’t go together

And it is totally fine if you ever got this mixed up. In fact it has taken me my whole adult life to learn these things by trial and error.

You see money you owe the State, the Government, the PoPo, the Council are not always debts. If they end up with the Ministry of Justice they are FINES. Fines are ‘punishments’ the the Government make you pay/owe.

Money you owe to another person, business, company (Creditors) goes on to your credit report. It doesn’t mean you have done something illegal. But if you don’t pay them, your Creditors need a way to report you to the world.

Your credit score says whether you are trustworthy and pay your bills on time and at all. You can get a bad credit rating from constantly being late to pay your monthly bills, or on time but not completely repaying the debt (Default)


This is part one of the Credit Series. Come back next week to check for more korero on Credit. This blog is accompanied by Episode 10 of the WhatuKainga podcast on Spotify and Apple Podcast:

I have been avoiding trying to find following trends of having blogs and podcasts. Mainly because I have wanted to reduce the number of people who read or listen to me. Instead focusing on the quality of the audience.

When I say quality, I mean people who are going to DO something with the korero. For me this isn’t a popularity career; who cares if no-one likes me or if my presentation is budget, I just need someone to pick it up and do something with it.

So I’ve realised that podcasts reduce the effort it takes to make the decision to act. Ahuh moment. If I add to the knowledge bank out there for people like YOU then change can happen!

You can find my podcast on Spotify: Search for Whatukainga

You can find my podcast on Apple Podcasts: Whatukainga

To follow my blog you can visit:

The other bonus of Podcasts is that a I don’t have to have my face everywhere lol. I never wanted to be the face of anything.  It’s just really hard to find professionals who have the knowledge and are also allowed to give their advice online in say an interview with me.

People who work for corporations like Banks and Lawfirms, can’t just have their faces shown as giving advice on the internet, without permission from the ‘machine’, their boss.

But oh boy, I have seen soooo many who are aching to help families to get ahead. Agents, lawyers, bankers, brokers, builders would show up after hours to share their knowledge with whānau.

Thank you for showing interest in this humble newsletter. You are contributing to our future indigenous network of educators, experts and businesses who will be able to help our mokopuna. Mauri Ora

As a gift for you readers, you can download my E-Book Whatukainga for free. Each time I update with another chapter you are sent an updated version!

Discount Code: freeEBook (find it at

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