How good is your credit?
Find out now for free.
We believe everyone deserves to know where they stand. Just provide us with a few details to receive your
credit score, 100% free.
Your score is obtained from Equifax (previously known as Veda), Australia's largest credit bureau.
It won't affect your credit
Checking your credit score will not affect your credit rating.
What is my credit score?
Your credit score is calculated by a credit bureau, and is often used by lenders to help decide whether to approve
you for new credit cards, personal loans and home loans. Your Equifax Score (previously known as VedaScore),
from Australia's largest credit reporting bureau Equifax, is a number between 0 and 1,200. The higher your
number is, the better your credit position is.
What is the difference between your credit score and your credit file?
Your credit file is a detailed record of your borrowing history, while your credit score is a numerical representation
of your risk as a borrower.
Your credit file contains listings of applications you've made for all forms of credit (whether they’ve been
approved or not); your repayment history; details of any defaults you may have; and information about the consumer
and commercial accounts you hold. It also contains personal information including your name and gender as well
as data held on the public record, such as bankruptcies.
Your credit score is calculated by credit bureaus such as Equifax using the information on your credit file.
The higher your credit score, the lower your risk as a borrower. Your Equifax Score is a number between 0 and
1,200. See what the different score ranges mean below.
How can I get my credit score for free?
You can receive your credit score for free through finder.com.au. Just provide your full name, address and
a form of identification to receive your credit score. You’ll also receive an explanation of your credit
score and be able to see where you stand in relation to the rest of the credit-active population.