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Your credit score can play a huge role in many of life’s biggest decisions.
Understanding it can help you make smarter financial decisions and protect your credit reputation.
Here are six reasons to join us now.
Track your credit score & report
Get access to your free credit score and comprehensive credit report information, along with free monthly score updates to help you monitor your credit reputation over time.
Learn what’s behind your score
Uncover the important elements of your credit report. Identify key factors influencing your score so you can take action to improve it.
Compare products for your score
Use your credit score to see if you can find better deals. Search and compare credit cards, personal loans and home loans with our comparison service.
Compare options to help you save
Get relevant product offers based on your credit score and profile information that could help you save money.
Achieve your financial goals
Get the tools and resources to build your credit confidence and improve your financial wellbeing so you can reach your financial goals sooner.
Protect your credit reputation
Receive alerts whenever there are changes to your credit file to help you guard against identity theft and fraud.
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.
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.
Credit score and credit file information provided by Experian.