Finder Credit Score and Report

Check your credit score as many times as you want, at your fingertips, on the Finder app. Pop in your phone number below to get your download link.

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Won't affect your score
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Getting your credit score has never been easier

You'll get your score in just minutes, conveniently on the Finder app (or on the web if you prefer).

Your credit score is free and you can check it as many times as you want.

If your score changes, we'll update you too.

You can also access your entire credit file. This includes your credit enquiries and defaults.

How to get your free credit score

1. Download the Finder app
This will let you access your score.
2. Verify your ID
You'll need your license or passport.
3. Check your score
Get your score and more valuable insights.

What you'll need

  • Your Australian driver's licence or passport
  • Your personal details (like your name and where you've lived for the last three years)
  • The Finder app downloaded on your phone (if you want our full app experience).

Pop in your phone number below to get your download link.

5 minutes

Your trust is our priority

How do we protect your data?
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.

Aussies love us 😍

"Nice app that allows you to connect accounts from different banks and see them in one place. Looking forward to having a few more banks supported."
Sam C. - Google Play Store
"I love this app. It is so simple to use, and it is great to be able to keep track of my credit score. I also love the fact that it gives you tips on how you can make more money. Fantastic app. I love it."
Jackboy! - Apple App Store
"I love the consolidated view of my finances and how the app can help you make better decisions based on your financial position."
Eshan W. - Google Play Store

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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.
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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?

Home loans
The higher your credit score, the more a home loan provider will be willing to offer you a home loan.
Personal loans
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.
Credit cards
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'?

The higher the better when it comes to credit scores and based on the scoring system you'll receive through Finder, above 700 is a very good score and above 800 is considered excellent.

Negative actions that can affect your credit score

Credit scores: Important information

What is a credit score?

Your credit score is a numerical score that represents how creditworthy you are. or in other words, a number that demonstrates your reputation as a borrower. The higher the score, the more creditworthy you appear.

How is it different to a credit report?

A credit report contains the nitty-gritty detail of how a credit score is calculated. Along with your date of birth, driver's license number and contact details, a credit report includes details of any credit product you've held or applied for., your repayment history, defaults on bills and loans and any bankruptcies or debt agreements.

What can I do with a good credit score?

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?

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.

Important credit score guides

Multiple accounts in the Finder app

Level up with the Finder app 📈

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.
Learn more

Your important questions answered

No worries, we're here to help. See the full list of FAQs

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.

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