Hi,

If you are living and working in NZ, then all income is taxable. On the same line, you shouldn't be paying tax to the U.S. govt too.

For the income to be counted towards credit in NZ, I expect it will need to be paid into your NZ bank account. It's the only way they can see that the income is genuine. I guess this would also depend largely on the lender in question as to what evidence they require.

You've got two fairly unappealing options really... keep the money seperate and pay U.S. tax, meaning it can't be counted towards credit, or pay the money to an NZ account, pay 33% tax but get good credit!