Another barrier to consumer empowerment has fallen to technological disruption with the launch of a free credit rating service.  CreditSimple.co.nz brings an overseas model to the local scene and gives instant access to an individual's credit score based on information held by credit agencies.

The website makes its money by then enabling users to get better deals from banks, energy companies and telecommunication providers, who are big users of credit agency services, and taking a commission on the deal.

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