Free credit score

Credit scores and credit files are used by banks, lenders and others to make financial decisions about you.

Why knowing your credit score matters


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

A credit score is a number calculated by an algorithm designed by Credit Reporting Bodies that uses the information from your credit file. Your score is generated by taking into account various factors including how often you apply for credit, the type of credit product, your repayment history and whether you have negative information such as defaults or bankruptcies.

Credit providers have access to your credit file, and they can use it along with information in your application to assess the risk of lending you money or extending you credit.

That’s why the higher your score, the better. If you demonstrate good financial responsibility, you will be considered less risky to lend to than someone with a lower score. This could mean getting a better deal and saving money.

If you’re looking to apply for a credit card, buy a home, a car or any other type of credit product, checking your credit score with Credit Savvy before you apply can provide you with a better understanding of your overall credit worthiness as a borrower. It can also provide you with an indication of whether your application for credit will be approved.


Signing up to Credit Savvy is as simple as 1, 2, 3

  1. Create an account with Credit Savvy within minutes.
  2. Verify your identity with a form of ID (such as your drivers licence), so we can securely retrieve your credit data from Experian.
  3. Get your credit score and credit file information, along with free credit monitoring tools and resources to help you improve your financial wellbeing!


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.

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.

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