your credit score and credit report over time


what's behind your score, how to improve and protect it


loans and credit card offers for your score that will save you money

We offer more than just a score, we're here to help...

Know where you stand

We'll show you how your credit score compares, and how your score could get you a better deal and save you money!

Learn and improve

Free monthly score updates and tracking plus downloadable guides, learning resources on how to improve your credit reputation, life savvy money tips and more.

Reach your financial goals

Tools and calculators to help you do the sums and the ability to compare credit cards, personal and home loans to help you reach your goals!

Spot identity theft

Free credit monitoring and alerts when something changes, along with 256-bit bank-level encryption to keep you safe.

Why join Credit Savvy?

It's free

Yep, completely and utterly free, we will never ask you for a cent.

Won't hurt your credit score

Checking your credit score with us won't affect your credit score at all.

We're safe and secure

We won't share your details with anyone else, ever. Plus we use bank-level encryption to protect your data so no one else can get at it.

We help you put your score to use!

We show you how your score could save you money.

How it works

Get your free credit score

Tell us what you're looking for

We help you find options that could save money

Find something that works for you, and everyone wins

We'll give you the power to make smarter financial decisions

What is a credit score?

A credit score is a number that is calculated using the details on your credit file. It is a simple representation of your credit worthiness and is dynamic so it can change from month to month. A score can be between 0 and 1000 and the higher the score, the better. To make it easy, we've grouped the scores into 5 bands from Excellent to Below Average.

Why should I check my credit score?

More than just a score

Credit score and credit file information provided by Experian. We've teamed up with Experian, one of Australia's official credit reporting bodies, to provide
you with access to your Experian score and credit file information.

We act as a credit intermediary and do not provide personal financial, legal or tax advice, or credit assistance of any form. Any content featured on the site is of a general and informative nature only and does not take into account your personal objectives, financial situation or needs. You should consider your needs, along with the product's terms and conditions before making a decision. We do not accept any liability in respect of any product or service which you elect to acquire from any provider.

© 2020 CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 and Australian Credit Licence 516487, trading as Credit Savvy Australia.
Credit Savvy is a trademark of CBA New Digital Businesses Pty Ltd. CBA New Digital Businesses Pty Ltd is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124.

Your security is extremely important to us. Your data is encrypted and we work with industry leading experts to keep your details safe.