No catch. We want to help Australians make better decisions, and we think your credit score is the perfect place to start. We want Aussies to have access to their full credit report so that they can work towards improving their finances and making better decisions with their money.

As many times as you like! Your credit score will be updated once a month, or whenever something on your file changes (if you've opted into our credit file monitoring service).

No, it won't affect your credit score. This is because checking your report with Finder is considered a "soft inquiry" as opposed to a "hard inquiry", which would affect your score.

Actions such as applying for a loan or credit card are considered hard enquiries and can affect your credit score. That's why it's super important to only apply for products that you're sure about, to limit the number of applications you make. Our chance of approval* feature can tell you if you're likely to get approved for a personal loan or credit card before you even apply.

If you find any incorrect information on your credit report, you should contact Experian immediately to investigate the listing and, if necessary, have it removed. You can find the bureau's contact details at the bottom of your credit report within your Finder account.

In order to provide you with your report, we need to confirm your identity. We do this through your account, where we'll keep your information safe and sound. You can take a look at our Privacy Policy for more information.

We need these to verify your identity. This helps keep your information secure and makes sure we're sending you the correct credit report information.

Finder tracks your credit score and every month we'll send you an update if anything has changed. That way, you'll be notified of any changes to your score and can take quick action if you suspect fraudulent activity or errors on your report.

If you can, try a different form of identification. You will have two attempts to input your document details, after which the form will be frozen for safety reasons. If you're still struggling, head to our Finder app support page where you can live chat with us or shoot us an email (don't worry, you can do this if you're getting your score through the web, too).

A score that sits over 625 is classified as a good credit score. The higher the number, the more financially trustworthy banks and lenders think you are."

On a scale of 0 to 1,000, anything below 624 is considered to be a bad credit score. But don't worry, there are loads of ways that you can get your score back on track and improve it.

There are a number of factors taken into consideration when calculating your credit score. And if you want to improve your score, you can try working on these elements.
- Your personal information, such as your age, how long you've been employed for and the amount of time you've been at your current address.
- The age of your credit report.
- The type of credit providers on your report.
- What credit you've held and your credit limits.
- The number of credit enquiries listed on your report.
- The pattern of your credit enquiries and shopping over time.
- Default information and if you have any overdue debts, serious - credit infringements or clearouts.
- Court writs and judgements.

Knowing your credit score and understanding your credit report gives you a good grasp of your financial position. Checking your credit score can help you feel more confident when making decisions about your money.

If you're looking to make a big purchase and you need to borrow money, it's better to check your credit score sooner rather than later so you can try to improve it if necessary. The higher the score, the more likely it is that you will be approved for credit.

You can improve your credit score by working on some of your day-to-day financial behaviour. Your credit report will explain how your credit score is calculated so make sure you get a copy of your report from Finder.

Check out our full guide on how to improve your credit score.

Your credit report is a detailed record of your borrowing history, with information on the loans, credit cards and credit accounts you've held and applied for. It also includes personal information like your name and address. Your credit score is a number that is calculated using the information on your credit report, which indicates how much of a risk you are to lenders.

No. Credit bureaus will only create a report for someone when they receive data about that person from financial institutions and other organisations that send credit data (such as credit card issuers). If no information has been sent, you won't have a credit report.

Your credit score can change at any time. For example, your credit score could change if you apply for credit, closed an account or adjust a credit limit. We'll update your score once a month.

Comprehensive Credit Reporting (CCR) is a system whereby lenders share more of your data with credit bureaus that will be listed on your credit report. With CCR, additional information such as the type of credit you hold and whether you make payments on time will be included, as opposed to just the negative information such as defaults and bankruptcies.

*Finder's Chance of Approval feature provides an indication only. It is not a guarantee of approval. Applications for credit products are always subject to the lender's T&CS and application and lending criteria.