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Won't affect your score

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How does it work?

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, defaults and infringements.

Use your score to find out if you can get approved for a personal loan or a credit card, with our feature.

Three simple steps

This will let you access your score.

You'll need your license or passport.

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

By submitting your phone number, you agree to the Finder privacy policy and terms of use

Use your credit score to apply for financial products with confidence

Finder's chance of approval indicates your likelihood* of getting accepted for a credit product such as a loan or a credit card.

This can help you protect your credit score, by avoiding applications that you might not be eligible for.

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 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.

What range of credit scores are considered 'good'?

Experian credit score ranges
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.

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 often can I check my credit score and report?

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).

Negative actions that can affect your credit score

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.
Easy tip: Use Finder's guide for credit card balance transfers to find the best deal. When you're satisfied with the interest rate you're paying, work on paying down the debt for a while before making another transfer.
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 lenders.
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.

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.

Get on top of your finances

Manage your debt

More tips and guides

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

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

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.

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.

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.

By submitting your phone number, you agree to the Finder privacy policy and terms of use

Your trust is our priority

Your information is protected through bank-level security and encryption, and we'll retrieve your score directly from Experian.

We get your credit score through Experian. Experian is one of the three credit bureaus in Australia that collect and provide credit data.

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.

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

Get your free credit score and report

How does it work?

Three simple steps

What you'll need

Use your credit score to apply for financial products with confidence

What financial products may require a good credit score?