Most credit scores are between 300 and 850. The higher the score, the better your credit rating is. A good score is more than 500, so if your score is high, you should be able to get better offers from banks, telcos, insurance companies and utility companies. If your score is low, Standard & Poor's credit rating for New Zealand stands at AA with positive outlook. Moody's credit rating for New Zealand was last set at Aaa with stable outlook. Fitch's credit rating for New Zealand was last reported at AA with positive outlook. In general, a credit rating is used by sovereign wealth funds, pension funds and other investors to gauge the credit worthiness of New Zealand thus About credit scores. Here at creditsimple.co.nz, we’re always working to score special offers for our members, so you can save even more. From credit cards, personal loans, home loans, energy plan, insurance, to even mobile phone and broadband plans, here are some of our current offers.