Your information is protected through bank-level security and encryption, and we'll retrieve your score directly from Experian.
How do we get your credit score?
We get your credit score through Experian. Experian is one of the three credit bureaus in Australia that collect and provide credit data.
What will we do with your number?
If you provide your number, we will send you a download link to our app, where you can access your credit score. We will not give your number to any third party.
How much does it cost?
It's 100% free. We'll never charge you to get your credit score.
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Who should consider checking their credit score?
You're thinking of applying for these products:
A home loan, a personal loan or a credit card. These products may require a good credit score for you to apply. A good score also gives you more negotiating power when applying for a loan i.e. an increased borrowing capacity
You've taken some 'negative' actions in the past
It's worth checking your credit score if you've forgotten to pay your bills, applied for too many balance transfers or even taken out a payday loan.
Use your credit score to apply for financial products with confidence
You can use your score to find out if you can get approved for a personal loan or a credit card, with our chance of approval feature.*
What financial products may require a good credit score?
The higher your credit score, the more a home loan provider will be willing to offer you a home loan.
Most lenders of personal loans will look at your credit score (along with other factors). A lower score may make it hard to get approved.
Some credit card applications may require a good credit score, especially if you want a higher credit limit.
What range of credit scores are considered 'good'?
Negative actions that can affect your credit score
Any missed repayments normally have a significant impact on your credit score.
Easy tip: Have any large loan repayments scheduled to come out of your account on the same day as your pay.
If you pay a phone or electricity bill late repeatedly, this could turn into a default. Defaults may stay on your credit file and can affect your score negatively.
Easy tip: Pay your bills as soon as you receive them, to ensure you don't forget. You could also set a calendar reminder so your phone sends you a notification when payday is near.
A balance transfer is when you transfer debt from one account to another. Often this happens with credit cards in order to reduce the interest rate. Each time you apply for a balance transfer it will appear on your credit report, which informs how your credit score is calculated.
Payday loans don't look good on your credit report and can badly affect your credit score. Credit reporting bodies like Illion, Experian and Equifax look at the type of providers you apply for credit from and payday lenders have a level of risk attached as they have big fees.
Easy tip: Set yourself a budget so you don't find yourself short of money before your next pay check.
If you miss Afterpay and any Buy Now Pay Later loans, these companies can report any negative account activity.
Easy tip: Avoid any layby sort of loans and save up instead.
Bankruptcies (when a court legally declares you're unable to pay your debt) stay on your credit report for two years after the bankruptcy ends, or five years from the date you're declared bankrupt.
Each time you apply for credit, an enquiry is added to your credit report, and will stay there for five years. If you ask several banks and lenders for a loan in a short period of time, it could seem like you're in financial strife, and could put off these lender.
Easy tip: Really consider when you need to reach out for a loan. Finder's MoneyFinder tool will help you research all of your options, comparing various lenders for car, home and personal loans.
Bad debt includes debt that is detrimental to your wealth. This usually includes debt you've racked up when purchasing something that depreciates, like a car. You also take on bad debt with you use your credit card for maintaining your lifestyle, on things like huge restaurant bills and luxury items beyond your means.
Easy tip: Before taking on any debt, consider what you really need. For example, next time you're on the market for a car, go for a model that costs a little less to ensure your debt doesn't hang around too long.
A good credit score puts you in a strong financial position in several ways including giving you more negotiating power when applying for a loan, an increased borrowing capacity and a better chance of being approved for a loan or credit card.
How can I improve a bad credit score?
Bills that are due longer than 60 days will appear on your credit report as defaults and stay there for five years. If you foresee problems paying on time, talk to your provider early to negotiate a payment plan.
If you never get close to hitting your card's limit, consider lowering it. You'll lessen your risk of racking up debt and it will be a positive action on your credit report that could impress lenders.
Opt for small and more frequent payments throughout the month to help reduce your debt quicker. Another option is to throw in a bit more with your monthly payments. This shows you can plan well and be responsible for your finances.
Build on good credit and show lenders that you're trustworthy by being consistent and reliable with your payments.
Check in on your credit score regularly and if you find any incorrect listings, make sure to take the necessary steps to have them removed.
How can I fix errors in my credit report?
If you find any errors on your credit report or see something that shouldn't be there, you should contact Experian immediately to request to have it removed. Learn more.
The Finder app takes your credit score and your money to the next level. You'll get automatic credit score updates, be able to see all your accounts in one place, track your spending and discover your chance of being approved* for a loan or credit card before you even apply.
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.
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."
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.
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.
Ready to get your credit score?
Receive your free credit score and report from Finder today. Pop in your phone number below to get your download link.
It’s coming up to the busiest time of the year, when both our calendars and bank accounts are under the pump. And while Christmas festivities are a whole lot of fun, they’re also expensive. Here are some ways you can avoid your credit score being affected,
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finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
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