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1,141 Responses

  1. Default Gravatar
    LynetteAugust 17, 2017

    I filled out my details correctly as per my Drivers Licence so who couldn’t my identity be verified?

    • Staff
      JonathanAugust 17, 2017Staff

      Hello Lynette,

      Thank you for your inquiry.

      You can use this guide to know the step-by-step guide on how to generate your score. If after following this you were still unable to get your score, you may contact the credit bureaus to validate.

      Hope this helps.


  2. Default Gravatar
    ianthieAugust 17, 2017

    why cant i get my credit score

    • Staff
      JonathanAugust 17, 2017Staff

      Hello ianthie,

      Thank you for your inquiry.

      There are multiple reasons your score may not be successfully generated. The common reason is when your driver’s license details are not encoded correctly. If you have moved for the past 2 years, make sure you include your previous address on the process.

      Please use this step-by-step guide on how to get your credit score. If you’re still unsuccessful, you may direct this to the bureaus directly.

      Hope this helps.


  3. Default Gravatar
    rickyAugust 16, 2017

    i like to find my credit score

    • Staff
      ArnoldAugust 16, 2017Staff

      Hi Ricky,

      Thanks for your inquiry.

      Your credit score is a number between zero and 1,200 and is calculated using the information on your credit file. The higher your number is, the less risky a borrower you are determined to be. There are five credit score ranges, from “excellent” credit to “below average” credit.

      Steps to get credit score:
      1. You need to be a member of finder to get your credit score.
      2. Go to Credit Score page and click “Get my credit score” link.
      3. After clicking the “Get My Credit Score”, you would then be asked to fill out a form.
      NOTE: after you entered your info, your driver’s license will be verified. If successfully verified, your score will be retrieved from Equifax.
      To be successfully verified, please make sure that you:
      1. Enter your license number, not the card number
      2. Enter your full name as it is on your license
      3. If your license ID is verified, you would receive your free credit score in a few seconds:

      For security reasons, you are only allowed to have TWO incorrect attempts at verifying your ID.

      Hope this information helped.


  4. Default Gravatar
    AlanaAugust 15, 2017

    Are you able to help with improving a credit score?

    • Staff
      DanielleAugust 16, 2017Staff

      Hi Alana,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for tips on how you can improve your credit score.

      I hope this helps.


  5. Default Gravatar
    SadieAugust 15, 2017

    I was with My Budget some years ago and they suggested I go bankrupt. That was 10 years ago, does this have any effect if one wants to get hire purchase?
    Thank you, Sadie

    • Staff
      RenchAugust 16, 2017Staff

      Hi Sadie,

      Thanks for reaching out to us.

      If you have been declared bankrupt then you will have a bad credit rating that will stay on your credit rating for seven years. It will not affect your hire purchase application if this was declared 10 years ago.

      Kind regards,

  6. Default Gravatar
    TrevorAugust 15, 2017

    You gave me a 660 on my report but I got knocked back on credit card application.

    • Staff
      RenchAugust 15, 2017Staff

      Hi Trevor,

      Thanks for reaching out to us.

      Sorry to hear about your credit card application. You will still need to meet the eligibility criteria and requirements of the card and make sure to read the details before making a decision and consider whether the card is right for you. It will still depend on the bank.

      You can check this page for helpful tips on how you can improve your credit score and how credit score works.


  7. Default Gravatar
    NiroshanAugust 15, 2017

    This is my photo card. How can I get my credit score?

    • Staff
      RenchAugust 15, 2017Staff

      Hi Niroshan,

      Thanks for reaching out to us.

      Unfortunately, you can only get a free credit score from our page if you have a valid Australian driver’s licence.

      You can contact Equifax directly for other ways to request your credit score. Please go to this page and click on ‘Go to Equifax’s website’.


  8. Default Gravatar
    JulieAugust 10, 2017

    Why want it accept my driver licence number?

    • Staff
      RenchAugust 10, 2017Staff

      Hi Julie Ann,

      Thanks for reaching out to us.

      Please make sure that you’re entering your details correctly on our free credit score page. Also, details should match with info that you have on your Australian driver’s licence.

      If it’s still not accepting your driver’s licence number, please contact Equifax directly to ask for other ways to get your credit score. You may go to this page and click on ‘Go to Equifax’s website’.

      Hope this helps.


  9. Default Gravatar
    SheenaAugust 8, 2017

    I have just ordered a credit file report to find out why I have such bad credit. I am a single mum and came out of a really bad relationship where my name was used for loans and bills. My ex generated fake letters etc and used my name. Is there a way for me to improve my credit score by negotiating the amount owing? I’m on benefits only and unable to pay off the amount I’ve been stuck with for years. I’ve no contact with my ex and I’m just wanting to clear my name.

    • Staff
      RenchAugust 8, 2017Staff

      Hi Sheena,

      Thanks for reaching out to us.

      I understand what you are going through. You can have a look on this page for helpful tips on how you can improve your credit score.

      You can check this guide and also compare your options for Debt Consolidation Personal Loans. Debt consolidation is the process of rolling all your outstanding debts into one loan, with the ultimate goal of paying off your debts at a lower rate. Consolidating loans works for some people and doesn’t for others, it depends entirely on your financial situation.

      While on this page, you can check loans for pensioners and also get helpful info from there.

      Hope this helps.

      Best regards,

  10. Default Gravatar
    BENJAMINAugust 7, 2017

    How do I find out what has made my credit rating drop. About a year ago I checked and it was fine then. Also, because I am unaware of any outstanding debts, is there a way for me to get in contact and start making paynents to whoever to cancel being in the red

    • Staff
      MayAugust 7, 2017Staff

      Hi Benjmin,

      Thanks for your inquiry.

      A low credit score or a bad credit rating is a result of either rejected credit card/loan applications, lower credit limits and payment defaults, etc. This article here also explains how you would know if you already have a bad credit rating. Furthermore, you can read more about what is good and bad credit rating on this page.

      Meantime, if you would want to improve your score, you can follow the guide listed on this page. And if you are thinking of credit repair, a DIY guide on this page might be of help.


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