Finder makes money from featured partners, but editorial opinions are our own.

Credit Savvy credit score

How to get your free Experian credit score with Credit Savvy.

What is Credit Savvy?

Credit Savvy is an online service that gives Aussies access to their credit score for free. It launched in 2015 and is owned and operated by CBA New Digital Businesses Pty Ltd (the Commonwealth Bank).

Credit Savvy is a free service; it earns money from advertising from banks and other financial institutions. This means third parties may pay Credit Savvy to show you their products.

What service does it offer?

Credit Savvy works with Experian, one of three main consumer credit reporting companies here in Australia. Using Experian data, it provides the ability for you to find out your credit score along with resources to help you understand how they work and how to improve a low score.

With Credit Savvy's free online service you can:

  • Get access to your credit score
  • Track your credit score with monthly updates
  • Learn what's behind your credit score
  • Receive alerts when there are changes to your credit file

How to get your credit score with Credit Savvy

You can create an account with Credit Savvy by verifying your identity with a form of ID, such as your driver's licence, Medicare card or passport. Credit Savvy will then securely retrieve your credit data from Experian and get your credit score and credit file information to you within minutes.

You will need to create an account with Credit Savvy first and you can choose to sign up with your email, Facebook or Google account.

What are the credit score ratings from Credit Savvy?

The Experian model is used with your Credit Savvy credit score, which means that you will receive a score between 0 and 1,000. There are other credit bureaus that use slightly different scales and models.

The higher the number, the better your credit score. Generally speaking, the better your credit score, the greater chance you have of a lender approving your loan application. To help you see how you rank, your score will fall into one of five tiers ranging from "Excellent" for the highest scores down to "Below average" for ones that need more improvement.

700-799Very good
0-549Below average

Source: Experian

There are several practical steps you can take to improve your credit score including paying your bills on time, lowering the limits on your credit cards and making frequent payments to any existing loans.

How does Credit Savvy get your credit score?

Credit Savvy credit scores are calculated by a statistical algorithm using information from your credit report. The score is generated by looking at some key attributes including your repayment history, the credit limit of each of your credit products and the number and type of credit provider that have made credit enquiries on your report.

It's important to note that there are some things that could have a negative impact on your Credit Savvy credit score, including:

  • A large number of credit applications in a short period of time
  • Defaults
  • Court judgements
  • Open accounts with debt collection agencies
  • Missed payments
  • Short term credit such as payday lenders
  • Bankruptcy actions

Keen to learn more about credit scores? Read our full guide on credit scores that includes how they work, what they're used for and where else you can get your credit score for free.

More guides on Finder

Ask a Question

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 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site