Key resources on Credit

Key resources: Your Ultimate Financial Dictionary

Last updated: 18 January 2021

Credit and credit reporting

 

Experian Australia

Experian is one of three national credit reporting bodies in Australia. Credit Savvy has partnered with Experian to give you free ongoing access to your Experian credit score and a summary of the key elements on your Experian credit file.

Credit Smart

Credit Smart is an information website developed by credit experts, consumer advocates and government bodies to give consumers unbiased and fair information to help them understand how credit reporting operates in Australia.

 

Managing debt

 

MoneySmart

MoneySmart is an Australian Securities and Investments Commission (ASIC) website that offers free independent guidance to help consumers manage their finances.

National Debt Helpline

The National Debt Helpline is a not-for-profit service that helps people tackle their debt problems. Their professional financial counsellors offer a free, independent and confidential service.

Doing It Tough?

Doing It Tough is an Australian Bankers’ Association website that encourages bank customers who are experiencing financial difficulties to contact their bank to discuss their situation.

National Association of Community Legal Centres

Community legal centres are not-for-profit community organisations, operating independently to provide legal services to the public.

National Legal Aid

National Legal Aid comprises of eight independent legal aid commissions around Australia, one in each of the states and territories. Each legal aid commission provides legal services and advice to people living in that state or territory.

 

Complaints

 

Credit Savvy

If you have a complaint or dispute about Credit Savvy or our service, please send us an email at contact@creditsavvy.com.au. Alternatively, you may wish to write to us at the following address:

Customer Dispute Resolution
Credit Savvy Australia
Locked Bag 19 Royal Exchange
Sydney NSW 1225

If you have any questions or concerns regarding your privacy, how Credit Savvy collects or uses your personal information, please email us at privacy@creditsavvy.com.au.

Australian Financial Complaints Authority

The Australian Financial Complaints Authority provides consumers and small businesses with fair, free and independent dispute resolution for financial complaints.

Telecommunications Industry Ombudsman

The Telecommunications Industry Ombudsman is a free service that helps consumers resolve complaints relating to telephone and internet providers.

 

Credit & privacy legislation

 

The Office of the Australian Information Commissioner

The Office of the Australian Information Commissioner (OAIC) is an independent Australian Government agency responsible for freedom of information, privacy and information policy.

The Australian Securities and Investments Commission

The Australian Securities and Investments Commission (ASIC) is an independent Commonwealth Government body regulating Australia’s corporations, markets and financial services.

Credit FAQCredit Score

Related Articles

How are credit scores calculated

How are credit scores calculated?

27 April 2023
Why you shouldn't max out your credit card

How can I remove a ban with Equifax and illion?

26 April 2023
How can I remove the ban with Experian?

How can I remove the ban with Experian?

25 April 2023

Credit Report Bans: Everything You Need to Know

31 October 2022

Who can request a credit check for you?

29 October 2022

How to get started with joint bank accounts

19 September 2022

Advertiser Disclosure

~Comparison rate is calculated as indicated. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different fees, terms, or a different loan amount might result in a different comparison rate. Credit Savvy endeavours to show accurate and up to date information however product provider interest rates may change without notice and may be different on the product issuer’s website. You should consider the product providers website before making a decision on whether to apply for a product.

**The indicative repayments are based on the offer settings information added for loan amount and duration only and may not include all fees and charges.

This is an information service only and any information displayed is not to be taken as a recommendation for you to take out a particular product. Where Credit Savvy displays credit products that you may be eligible for, this means that the lender has indicated that applicants must at a minimum meet this credit score as part of the product criteria. Credit Savvy does not take into account your objectives, financial situation or needs when displaying any products on its website.

Products shown are only a selection and not representative of all products in the market. Loan products shown are limited to those issued by the Commonwealth Bank of Australia (CBA) ABN 48 123 123 124 and AFSL/Australian credit licence 234945. CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 and Australian Credit Licence 516487, trading as Credit Savvy Australia is a wholly owned but non-guaranteed subsidiary of CBA. 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.

All loan product applications are subject to the provider's credit criteria, approval and terms and conditions. Conditions, fees and charges may apply. Interest rates are subject to change and some products may have lower introductory rates which revert to higher rates after a set period of time. You should consider your own objectives, financial situation and needs, along with the product's terms and conditions, before making a decision to apply for a product. Once you click on a link or apply for a certain product you will be dealing with the provider and not us. We do not accept any liability in respect of any product from any provider.

The display or order of products is not an indication of product ranking or suitability. Commercial arrangements exist with some providers (which may include payments that we receive from them for displaying their products and associated click throughs.

Credit Savvy endeavours to provide accurate information and no responsibility is taken for errors or oversights. The results from any calculations, such as indicative monthly repayments, are estimates only and should be used for general information purposes.

Access, understand, leverage, and protect your credit reputation all under one platform - free forever.
x15ventures
Credit Savvy is a business operating within x15ventures.
EV SSL

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.

© 2023 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.