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A credit score is a number that is calculated using the details on your credit file. It’s a simple representation of your creditworthiness and is dynamic – meaning it may 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.
Lenders such as banks, credit card companies, utilities and telcos can use your score to assess the risk of lending you money or extending you credit. Your score can also determine how much they will lend you as well as the interest rate. Knowing your score can help you make smarter financial decisions.
With Credit Savvy, you get free access to your Experian credit score and credit file information. You can track your progress with monthly updates and get alerts about key changes to your credit file.
You’ll also see how your score compares to other Australians. You can learn how to improve and protect your score and see how you can use it to get a better deal.
