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How to get your Credit Simple credit score
Credit Simple lets you access your free illion credit report, along with personalised loan offers.
Credit Simple is owned by illion Australia Pty Ltd, a data analytics company and one of the 3 leading credit bureaus in Australia, along with Experian and Equifax.
Through Credit Simple you can get your credit score for free and see how it compares to others based on age, gender and community. You'll also get tips and insights on how you can improve your credit score.
To provide this free service, Credit Simple works with companies such as banks, insurance providers, energy companies and telcos to give you offers based on your credit profile. If you do sign up for a deal offered through its website, Credit Simple gets a small payment from the provider as commission.
How to get your free credit score with Credit Simple
To get started you will need to create an account using your email, Facebook or Google account. You'll also need to provide a form of ID to verify your identity such as your passport, driver's licence or Medicare card. The final step involves verifying either your email or phone number.
Credit Simple will then securely retrieve your credit data from illion and send you your credit score and credit report within minutes. Like with most credit score providers, applying for your Credit Simple credit report won't affect your credit score.
What are the credit score ratings from Credit Simple?
Credit Simple gives you a rating based on your credit score using a scale from "Excellent" for the highest scores to a "Zero" for the lowest, with a good credit score being 500 or more.
Credit Simple uses the illion rating scale, which ranges from 0 to 1,000, with a higher score indicating a healthier credit rating:
| illion credit score rating | illion credit score range |
|---|---|
| Excellent | 800-1000 |
| Great | 700-799 |
| Good | 500-699 |
| Room for improvement | 300-499 |
| Low | 1-299 |
| Zero | 0 |
How to read your Credit Simple credit report
Credit Simple works with illion to give you the information from your credit report in a format that's easier to understand.
With Credit Simple's free online service you can:
- Get access to your credit score
- Receive email alerts when changes occur on your credit file
- Learn tips to help you understand your score
- Get access to tools to help you track your money
How to improve your Credit Simple score
If you've gotten your score and are keen to work on it, don't stress. There are several ways to improve your credit score including making frequent payments to existing loans, paying your bills on time and lowering the limits on your credit cards.
Make sure you check out your full credit history and ensure everything on there is correct and, if you can't pay back your debts on time, put together a plan with your credit provider or collection agency handling it to pay it back. Once you start to build up some good credit history your score will change to reflect your actions.
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