My Credit Score

What is a credit score?

A credit score is a number that helps credit providers know how responsible you are to lend to. It’s between 0 and 1200, where a higher number means you are more likely to be able to repay the loan. The score comes from your credit report which looks at your situation and your past behaviour.

An Equifax Score is the credit score we provide you – Equifax (formerly known as Veda) is Australia’s leading credit reporting body, and has credit information on 18 million Australians, and is used by most lenders and credit providers.

How can I get alerts to changes in my credit score?

By subscribing for free to GetCreditScore, you’ll have access to your personal credit dashboard and each month, we'll send you a reminder to log in to your dashboard and check your credit score.

Here, you will be able to see your current credit score, score history, get tips on how to improve your credit score, and see what’s helping improve your score and what’s holding it back. This information will change over time as your score changes.

Login to your dashboard here or get started with GetCreditScore today by joining for free.

Why can't I get my credit score?

There could be several reasons why we may be unable to provide you with a credit score. It may mean that you don't have an active credit report in the Equifax database or it may simply mean that you have insufficient information on your credit report.

It also could be the information provided to us didn’t match the information held by Equifax – it may be worth reviewing the information in your profile, and trying again, ensuring you populate any middle names, previous addresses and driver license numbers exactly as they appear on your documents. You can review & update your member profile here.

If this is still not successful, you can request your credit report from Equifax, ensuring the details on this report match those that you entered into your GetCreditScore member profile. 

What's in my credit report?

Your credit report is made up of your credit history and behaviour that credit providers send to Equifax, including:

Personal Information

  • Your age
  • Your employment history
  • Your current and previous addresses
  • Your current credit accounts and credit limits

Consumer Credit Information

  • The number and type of lenders you have applied for credit with
  • The kinds of loans or credit you’ve applied for and the amount of credit requested
  • Monthly repayment history
  • Any defaults
  • Any financial hardship arrangements in relation to your accounts (Note: these do not impact your credit score)

Publicly available Consumer Information

  • Bankruptcies
  • Any court judgements against you

Commercial Credit Information

  • Commercial credit enquiries
  • Active commercial credit accounts
  • Overdue commercial credit accounts

Perhaps you are looking to apply for credit, or you’ve recently been declined for credit and are looking for credit repair advice. Or you might just be worried about keeping your identity safe. Getting your credit report will give you a full overview of the information creditors can access on you.

To get a copy of your credit report, get in touch with Equifax.

 

Can I get my credit report?

You can request your credit report (including a free option) from Equifax. 

To get a free copy of your Equifax credit report, get in touch with here.

Perhaps you are looking to apply for credit, or you’ve recently been declined for credit and are looking for credit repair advice. Or you might just be worried about keeping your identity safe. Getting your credit report will give you a full overview of the information creditors can access on you.

 

Why do you need my personal details?

Your personal details and driver’s licence are the simplest and quickest way for us to accurately identify you. Both the connections and database are protected by encryption and our systems are protected further from fraud and malicious requests by specific threat detection software.

Can I get my credit report?

You can request your credit report (including a free option) from Equifax. 

To get a free copy of your Equifax credit report, get in touch with here.

Perhaps you are looking to apply for credit, or you’ve recently been declined for credit and are looking for credit repair advice. Or you might just be worried about keeping your identity safe. Getting your credit report will give you a full overview of the information creditors can access on you.

 

How can I get alerts to changes in my credit score?

By subscribing for free to GetCreditScore, you’ll have access to your personal credit dashboard and each month, we'll send you a reminder to log in to your dashboard and check your credit score.

Here, you will be able to see your current credit score, score history, get tips on how to improve your credit score, and see what’s helping improve your score and what’s holding it back. This information will change over time as your score changes.

Login to your dashboard here or get started with GetCreditScore today by joining for free.

Credit Score variations?

Why is my Equifax credit score in my dashboard at times different to the credit score I get from Equifax directly?

At GetCreditScore, we source the latest credit information available each month at the time when you login to your account. This score is then updated the next time you login in a later month. Depending on the date that you request your credit information from Equifax, there may be a difference in the credit information being used to calculate your credit score. It would not be expected to be significantly different but the date and time when the scores are requested can result in small differences in scores compared to what you see in GetCreditScore.

Why is my credit score at times different from the score shown by other providers

Different providers may source their credit scores from different credit bureaus within Australia. Scores from each bureau are calculated based on their own data, which could vary between the different bureaus.

Disclaimer: The information contained in this FAQ is general in nature and does not take into account your personal objectives, financial situation or needs. Therefore, you should consider whether the information is appropriate to your circumstance before acting on it, and where appropriate, seek professional advice from a finance professional such as an adviser.