illion is one of Australia's 3 major credit reporting agencies, along with Experian and Equifax. Formerly known as Dun & Bradstreet in Australia, illion Credit Check offers free credit reports and credit scores.
Your illion credit score is calculated based on your borrowing history, bill and debt repayments and credit enquiries. It is used by lenders to determine your eligibility for a loan or credit card.
illion also offers insights on what factors have impacted your credit score, as well as ways to improve your score.
Get your free credit score
Banks know your credit score, so why shouldn't you? The Finder app updates your score automatically each month and lets you know if it changes. Pop in your phone number below to get your download link.
How can I get my illion credit check?
Simply head to the illion website to sign up, or give them a ring on 1300 734 806. You are entitled to request a copy of your illion credit report for free once every 3 months. You can also request a free copy if you've been refused credit within the last 90 days or have had something corrected on your credit report.
In order to get your free credit score, you'll need to sign up for an illion account and provide some personal details including your name, address and ID document.
You can also get your illion credit score for free through Credit Simple.
illion credit score ranges
Your illion credit score will be a number between 0 and 1,000. The higher the number, the better your credit score, with anything over 500 considered a good credit score.
illion credit scores are divided into 6 rating categories:
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
Excellent: 800-1,000
illion says that this range is generally reserved for older people who have shown discipline with credit applications and have a mortgage or investment property. They've made consistent, timely payments on their existing credit. Well done!
Great: 700-799
A score in this range probably means that your payment history is good, or you don't have enough credit history to nab an excellent score. You may also have a few credit enquiries or loan applications against your name.
Good: 500-699
If you're in this category it may mean that there's not much information available on your credit history. You likely don't have anything significantly bad on your file. Your score might also be affected by your age or where you live, as your credit score generally goes up as you get older.
Room for improvement: 300-499
illion state that if you're sitting here your score does need improving, but it doesn't necessarily indicate any negative history on your file. It's likely that you're a younger person (which some lenders see as risky), or you've recently made a few credit applications to smaller lenders who tend to take on higher-risk customers.
A low score: 1-299
If you sit here, you probably have a few negative strokes on your file like payment defaults, a poor payment history, or bankruptcy. You may also have a large amount of credit enquiries, especially for small amounts.
Zero score
If you have a zero score, chances are that there's a few negative things in your credit history. Think: payment defaults and bankruptcy. You might have also applied for credit and been declined. If you sit in this category, don't fret. Check out our guide on how to improve your credit score.
How can I improve my illion credit score?
Credit score seen better days? That's totally okay. Here are some ways illions recommends you do if you want to improve your credit score:
Make sure all the information on your credit history is correct.
Find out what is bringing down your score and work to fix it.
Pay your bills on time - that includes your credit card, home loan, personal loan repayments, and even your mobile phone. Set up automatic transfers or direct debits to help with this.
Set up a payment plan with your credit provider or collection agency to pay any outstanding debt you owe.
Establish a budget, buy things with your savings instead of a credit card, and be more money conscious.
Tom Stelzer is the Members Publisher for Finder, specialising in content for Finder app and website members. He previously worked for Finder as a writer in Australia and the UK, covering things like personal finance, loans, investing, insurance as well as small business and business loans. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney.
The average Australian has a "very good" credit score according to Finder analysis. Here's how credit scores are categorised in Australia, and how to check yours.
Credit scores are recognised in many countries, but can be calculated very differently. Find out how the USA, UK, China, India and Canada score credit, and how Australia's system compares.
Discover how you can use a credit card to build or repair your credit history.
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