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Credit Score Check Australia

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Credit Score Check Australia

The popularity of terms like ‘credit score check Australia’ and ‘free credit score Australia’ are on the rise these days.

It’s no surprise since checking your credit rating is a good way to get your finances in order. It’s especially helpful if you need extra funds, as more and more people are leveraging loans, credit cards, cash advances, and other similar offerings to cover their dream purchases, start businesses, and invest in their future.

The great news is that a credit rating check doesn’t have to be complicated. MONEYME is here to help ease those feelings of frustration through our innovative Credit Score tool. With us, you can count on a credit report check that’s not only 100% free but simple as well.

There’ll be no more looking up topics like ‘credit score check Australia’ online or asking yourself ‘How do I check my credit score?’ for hours on end. All you have to do is use our MONEYME mobile app, which you can download from either the App Store or Google Play Store.

It’s incredibly easy to use; just start by entering your contact details. This would include your name, number, email, DOB, address, and driver’s licence number (optional). With all the data you’ve provided, we’ll run an individualised credit check so you can take note of the same information banks and lenders see when they gauge your creditworthiness.

Aside from free credit scores, we can also give you tips and tricks that’ll help you build your personal rating and even present you with special offers. As such, you’ll know more about your unique financial situation and learn about how you could improve your chances of a successful credit application.

To give you a better idea, you’ll receive a comprehensive summary of the following points when you try out our MONEYME mobile app.

  • How much credit you’ve previously borrowed
  • Your repayment history (for loans, credit cards, etc.)
  • Current credit limits you’re following, e.g., on a credit card
  • The applications you’ve submitted before and how often you made them
  • Court judgements, defaults, or bankruptcies in your name

With this information at hand, you can begin facing your finances and managing them to your liking. Now that you know how to check your credit score with MONEYME, you can conclude your search for terms like ‘credit score check Australia’ and ‘credit check Australia’.

How often can I do a credit score check in Australia?

If you’re someone who’s keen on checking their credit score often, then you should know that some options would require you to pay extra charges for frequent requests. As an example, each of the Australian credit reporting agencies will only give you a free credit score check once every three months.

However, you can also get a free credit score check if you’ve been denied credit in the past ninety days or if you have any information that’s been corrected.

These free credit reports will help you stay on top of your finances and save you hours of looking up terms like ‘credit score check Australia’ or ‘Australian credit score free’.

What should I be mindful of when checking my credit report?

When checking credit score reports, you should first be aware of what they represent. Typically, your credit score lets financial institutions like banks and lenders assess your creditworthiness. To them, the higher your credit score is, the more likely you are to make repayments on time and the less likely you are to default altogether.

In line with this, you should also be mindful that your credit score can dictate the terms and conditions you get on a personal loan, credit card, or cash advance. With a good credit score, you can secure bigger principal balances, flexible repayment lengths, and better interest rates.

Since different credit reporting bodies may have different information about you, it’s best to get a report from each agency.

Lastly, you should keep in mind that some financial institutions will also review other aspects other than your credit score. For instance, possible sources of income, debt obligations, and general living expenses could also play a big role in the credit decision.

Where can I request a free credit score check in Australia?

Whether you’re looking up terms like ‘best credit score check Australia’ or ‘safest credit score check Australia’, chances are that you’ll come across illion, Equifax, and Experian. These are the three major credit reporting agencies that offer free credit score checks.

Just remember that the service from these credit reporting bodies isn’t always free. They depend on the frequency of your request and even your specific financial situation. What’s more, the credit score range also differs from one agency to another. They could either span from 0 to 1,000 or 0 to 1,200, so be wary of that if you’re interested in comparing reports.

Looking for a simple alternative? Tired of searching for terms like ‘credit score check Australia’ or ‘check my credit score Australia’ on the web? Consider a free tool you can take advantage of whenever and wherever such as the MONEYME Credit Score tool.

*Canstar’s Innovation Excellence Award 2022 was for MONEYME’s product Autopay. Credit scores are provided by Price Enquiry Pty Limited ACN 647 624 155.

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