We believe everyone deserves to know where they stand. Just provide us with a few details to receive your credit score, 100% free.
Your score is obtained from Equifax (previously known as Veda), Australia's largest credit bureau.
It won't affect your credit
Checking your credit score will not affect your credit rating.
What is my credit score?
Your credit score is calculated by a credit bureau, and is often used by lenders to help decide whether to approve you for new credit cards, personal loans and home loans. Your Equifax Score (previously known as VedaScore), from Australia's largest credit reporting bureau Equifax, is a number between 0 and 1,200. The higher your number is, the better your credit position is.
What is the difference between your credit score and your credit file?
Your credit file is a detailed record of your borrowing history, while your credit score is a numerical representation of your risk as a borrower.
Your credit file contains listings of applications you've made for all forms of credit (whether they’ve been approved or not); your repayment history; details of any defaults you may have; and information about the consumer and commercial accounts you hold. It also contains personal information including your name and gender as well as data held on the public record, such as bankruptcies.
Your credit score is calculated by credit bureaus such as Equifax using the information on your credit file. The higher your credit score, the lower your risk as a borrower. Your Equifax Score is a number between 0 and 1,200. See what the different score ranges mean below.
How can I get my credit score for free?
You can receive your credit score for free through finder.com.au. Just provide your full name, address and a form of identification to receive your credit score. You’ll also receive an explanation of your credit score and be able to see where you stand in relation to the rest of the credit-active population.
What does my score mean?
Credit Reporting agency Equifax uses its own scoring system to give you a Equifax Score rating between 0 and 1,200. This number represents the overall status of your credit file. Those with higher scores have a better chance of being approved for a loan.
What it means
833 - 1200
You're in the top 20% of the credit-active population of Equifax in Australia and it's highly unlikely an adverse event will harm your credit in the next 12 months.
726 - 832
You're two times as likely as the credit-active population of Equifax in Australia to keep a clean credit report and it's unlikely you'll incur an adverse event in the next 12 months.
622 - 725
You are more likely than the credit-active population of Equifax in Australia to keep a clean credit report in the next 12 months, and you're less likely to incur an adverse event during this time.
510 - 621
It's likely you'll incur an adverse event such as a default, bankruptcy or court judgement in the next 12 months.
0 - 509
You're in the bottom 20% of the credit-active population of Equifax in Australia and it's more likely you'll incur an adverse event such as a default, bankruptcy or court judgement in the next 12 months.
Why should I request my credit score through finder?
Today, knowing your credit score can help you feel more confident when making a decision about your finances and finder's mission is to help Australians make better decisions. Also, in the near future your credit score will become more and more important to any loan application.
It's free – what’s the catch?
No catch! We believe every Australian deserves their credit score so they can work towards improving their finances.
How is my credit score accessed?
Your credit score will be accessed by Equifax and your score will be delivered to you directly.
How often can I check my credit score?
You can access your credit score every six months for free with finder.
What does signing up for an account entail?
When you sign up for your credit score you will be given a Frequent Finder account. This account will let you access advice from our experts and check your credit score results. You can also receive a free credit score every six months and customise your email alerts and newsletters.
Can I get a credit score for someone else?
Why is the score finder report different from the scores reported by others?
The credit score reported by finder is a comprehensive score that considers more data than other providers. Other providers may be using older scoring approach that only considers negative reports so their reports will be different until they transition to the current approach.
Why do I need to give you my personal details and drivers licence?
This information will be used to locate your file. Equifax holds credit files for every Australian who is credit-active so your driver's licence and personal information will help locate it.
What do you do with my personal information?
No. Equifax collects certain information to calculate your credit score and Experian, another credit agency, collects information separately. Because of this your score may be different. Your Equifax Score is a number between 0 and 1200 and your Experian score will be a number between 0 and 1000.
I’ve found incorrect information on my credit report. What do I do?
Contact Equifax immediately so it can investigate the listing and if necessary, have it removed.
What is an "adverse event"?
This is a default, bankruptcy, court judgement or write or personal insolvency.
What does it mean that I'm unlikely or likely to have an adverse event occur?
Your credit score calculates your level of risk as a borrower based on your past behaviour. It's not a guarantee that an adverse event won't occur but simply an indication that Equifax consider it unlikely.
The peer-to-peer lender started contributing comprehensive credit reporting data on 1 November.
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Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.