This week, we're looking into the mysterious world of credit ratings.
Most of us have some inkling as to how good or how bad ours are, but just how are they calculated? And what information is used in that process?
Here to lift the lid on the magical maths involved, is Equifax New Zealand Managing Director Angus Luffman.
He spoke to The AM Show.
Watch the video.
This segment was created in partnership with Avanti Finance.