Signing up is simple


Create your account


Verify your ID


Check your score

Gain the power to make smarter financial decisions

What is your credit score?

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.

Why should I check my credit score?

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.

Why join Credit Savvy?

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.

Credit providers currently participating in Comprehensive Credit Reporting

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.

© 2024 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 wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia.

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