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Credit scores and credit files are used by banks, lenders and others to make decisions about you. They have the information, but you don’t. Until now.

A credit score is a number that’s been calculated from details on your credit file, like loan repayments, credit applications and public records such as bankruptcies. Lenders can use them to assess the risk of lending you money. So, if they think you won’t be able to pay a loan back, you won’t get approved.

If you have a high score, you have demonstrated a history of financial responsibility and are considered to be less risky to lend to than someone with a lower score. This could mean getting a better deal and saving money.

In Australia, it is an increasingly popular way of assessing credit applications. So, if that’s what the banks see, we think that’s what you should see too.

Credit Savvy is committed to helping Australians make smarter financial decisions. We empower people like you with your Experian credit score, credit report card and savvy credit knowledge.

And did we mention that it’s free?

No fees, no catches, no trial periods. Just free. We don’t even ask for your credit card number. Check now.


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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.

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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.

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