Get the Finder app 🥳

Track your credit score


How to check your credit score

Determine your borrowing power and get your finances under control by checking your credit score.


Fact checked

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

Your financial history is documented in your credit report, and your credit score is calculated using that information. Lenders use this score, along with your report, to assess the risk involved in lending to you.

Keeping tabs on your credit score can help keep your financial reputation in check and improve the chance of an application being approved. Checking your report regularly also ensures you always have a comprehensive understanding of your credit history. You can use this guide to find out how you can check your credit score for free, understand what is considered a good or bad score and more.

Credit score in the Finder app

Want a better way to check your credit score?

Banks know your credit score, so why shouldn't you? The Finder app updates your score automatically each month and lets you know if it changes. Pop in your phone number below to get your download link.

What is a credit score?

A credit score is a numerical representation of the information on your credit report. There are a few different credit reporting bureaus in Australia that offer credit scores and each have different credit score ranges, also called credit score bands. Scores from Experian are between 0 and 1,000 and scores from Equifax are between 0 and 1,200. The higher your score, the better a borrower you are determined to be. You can compare the breakdown from weak to excellent below:

Credit bandExperianEquifax
Very good700-799726-832
Fair / Average550-624510-621
Weak / Below average0-5490-509

How do I check my credit score?

You have a few different options to check your credit score:

  • Finder. We offer a free credit score and credit report service powered by Experian. Head to this page to check your full credit report and score. You'll also receive updates when anything on your report changes and get an updates score every month.
  • Equifax. Equifax will give you a free copy of your credit report once every twelve months. Other circumstances for which you will be granted a free report are if you've been denied credit in the last 90 days, or, if you've had an error on your Equifax report corrected. You can also sign up for monthly subscriptions with Equifax that offer more reports and other features.
  • ilion (formerly Dun and Bradstreet). ilion will provide you a copy of your credit score and information at no cost when you provide your full legal name, address, birth date and proof of identity documentation.

Do I need to check my credit report as well as my credit score?

It's important to keep an eye on your credit file as well as your credit score. As mentioned above, you can check your full credit report and score with finder. You're also entitled to one free credit report check per year from a credit bureau and you can also order a copy if you've recently been denied credit. Keeping an eye on your credit file can help keep the following things in check:

  • Checking for incorrect defaults. In some cases, erroneous listings are a reason for a bad credit score. Checking your credit report can reveal incorrect accounts, debts wrongly listed as defaults or debts listed twice, which can then be removed to improve your score.
  • Looking for incorrect personal information. Incorrect information about your current address can be detrimental to your credit reputation. This would mean that bills and other notices from credit providers would not reach you, leading to more default listings on your credit file.
  • Monitoring instances of identity theft. Check your credit file regularly to ensure that there are no foreign credit applications or bills not known to you, as these might indicate that you have been a victim of identity theft.

If you do find incorrect listings on your credit report, check out our guide to removing incorrect defaults and black listings for tips on what to do next.

Have more questions about your credit score?

Does everyone have a credit score?

No. You will only have a credit score if you have a credit report, and you'll only have a credit report if you've held a credit account that has been reported to a credit bureau. This can include credit cards, loans or utility accounts.

How can erroneous credit applications be corrected?

Credit applications made by fraudsters or credit accounts that are not yours but are wrongfully listed on your credit report can only be removed by the credit provider who listed them. You should get in contact with the credit provider to remove the listing or follow up with the Credit Ombudsmen if the issue is not resolved.

How can I improve my credit score?

You can do this by spacing out or limiting your credit enquiries, paying all your debts on time and clearing your credit card debt in full every month. Utility bill payments and rent payments should also be made on time. See Finder's guide to improving your credit score for more tips.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

8 Responses

  1. Default Gravatar
    SydneyNovember 14, 2018

    What’s my credit score is

    • Avatarfinder Customer Care
      JohnNovember 14, 2018Staff

      Hi Sydney,

      Thank you for reaching out to finder.

      We are on the right page for you to be able to obtain your free credit report from finder. All you need to start is to click on the “Check now” button. You will need to enter your information so that we could verify the data from Experian where your report comes from. Hope this helps!


  2. Default Gravatar
    JackMay 26, 2017

    I don’t have a licence for verification.

    • Default Gravatar
      LiezlMay 26, 2017

      Hi there,

      Thanks for your question.

      Unfortunately, a valid Australian driver’s licence is needed to access your score. If you have a passport, you can use this link to order a free copy of your credit file.

      Kindly note that your credit file is a detailed record of your borrowing history and it’s different from your credit score which is a numerical representation of your risk as a borrower.

      I hope this has helped.


  3. Default Gravatar
    HansMay 17, 2017

    Why is the credit score Finder provides me different from the credit score I obtained directly from Equifax?

    • Avatarfinder Customer Care
      MayMay 17, 2017Staff

      Hi Hans,

      Thank you for your inquiry.

      Credit ratings are regularly updated, so there could be something that may have caused your score to change by the time you’ve got your score from Equifax and through our page (which is also coming from Equifax).

      Furthermore, whilst knowing your credit score could be useful, especially if you are accessing credit, please note though that it’s just merely an indicator of whether you’ll get the credit that you want. So in the actual application, other factors like your total income, present employment and current assets will also be taken into account when lenders consider your application.


  4. Default Gravatar
    MingJanuary 11, 2017

    Hi, you talk about credit score but from what i can gather from reading the articles is that you are referring to a Veda Score, D&B, credit sense score etc. From my understanding in essence these scores refer to credit enquiries but only forms part of a persons “credit score”. Correct me if I’m wrong but these “credit scores” do not consider ones asset position, DSR, savings, income, occupation etc These “score” weights accompanied credit check score forms the framework for a persons “credit score”. I think the term “credit score” is used incorrectly.

    • Avatarfinder Customer Care
      MayJanuary 12, 2017Staff

      Hi Ming,

      Thanks for your comment and for taking the time to give us your feedback.

      Generally, creditors use your credit history to determine whether you are eligible for credit. By making an “enquiry” on your file, they will also generate your “credit score.” Basically, your credit score is needed because it is an indicator that lenders use and apply to their own lending criteria to determine whether you are eligible to borrow from them. However, aside from your score, they will also take into account other factors like present employment, total income and current assets when they consider your application. With that, there are lenders who are still open to lend borrowers with bad credit.


Go to site