Check your score for the chance to win $1,000

Do you know
your credit

Lenders know your score, do you? Check your credit score for free
in the MONEYME app

Master your
credit score 

Learn all about your credit score with our free tool. 

Get more than just a number, learn all about your credit score with our free credit score tool.  

See your
credit score

View personalised

Track your score
over time

Get tips to improve
your score

Understand how
lenders see you

When applying for loans and credit, your credit
score can affect your approval chances and the
interest rate you’re offered.

Check your score in the MONEYME app!
Subject to lender criteria and T&Cs

Choose a lender
with purpose

Our philosophy? Doing good while

Explore our impact
First slide
Second slide
third slide
forth slide
forth slide
forth slide

Get in-depth

See what’s on your credit file, how
it’s impacting your score and what
you can do about it.

Track your

We keep track of your score history
so you can see how your score
changes over time. Watch it improve
or spot when something has
impacted it negatively.


Boost your

Learn all there is to know about
credit scores. We share useful tips
and tricks on how to boost your
score, how to avoid the common
mistakes that will tank it, and much

Check your score for free

Checking won't impact your score, so what are you waiting for?
Download the MONEYME app to check your score in seconds.

How To Work On Credit Score

Understanding how to work on credit score issues is a huge aspect of maintaining one’s financial health. Credit scores are numerical assessments of your creditworthiness, determined by major credit reporting bodies like illion, Equifax, and Experian. 

These credit reporting bodies collect a wealth of financial data about you, generating what we commonly refer to as a credit report. This report and the associated credit score are tools lenders use to determine your potential risk as a borrower.

While it’s possible to request a free credit report from each of these reporting bodies once every three months, we at MONEYME offer you a more streamlined solution. With our free Credit Score tool, available via the MONEYME mobile app, you can quickly and conveniently check your credit status at any time and learn how to work on credit score issues as needed. 

Our tool not only provides the answer to how to check your credit score for free, but it also gives you insights into your credit report equivalent to what banks and other lenders see.

The MONEYME Credit Score tool goes beyond just providing a number. It equips you with tips and strategies on how to work on credit score inadequacies or mistakes in order to improve them, plus it gives you access to special offers that can enhance your financial journey. All of this valuable information is just a few taps away.

Getting your credit score has never been simpler or more accessible. By downloading the MONEYME app from the Apple or Google store, you can get your credit score in minutes. The only information you need to provide is your name, number, email, DOB, address, and optionally, your driver’s licence number.

Take control of your financial health today and get your credit scores checked as soon as possible. It’s easy, free, and could significantly impact your future financial opportunities.

What are credit scores, and how are they calculated?

If you’re wondering, ‘What are credit scores for?’ simply picture your credit score as a numerical summary that represents your credit risk level as evaluated by lenders. It provides them with a quick, objective assessment of the risk they take on when extending your credit. 

As you learn more about how to work on credit score issues, different financial variables contribute to this score. These include your repayment history, the diversity of your debt portfolio, the total outstanding debt, your length of borrowing experience, and your frequency of credit applications.

Calculating a credit score is not a one-size-fits-all process, but a huge significance is typically placed on your payment history and credit utilisation. 

The first, payment history, is a testament to your consistency in paying bills on time. The second, credit utilisation, is a measure of how much of your available credit you are currently using.

Your credit score also reflects any public records like bankruptcies, the diversity of your credit accounts, and any recent credit applications, known as hard enquiries. Generally, credit scores range from 0 to 1,000 or 0 to 1,200, depending on the credit reporting agency.

Why is it better to have a high credit score instead of a lower one?

A superior credit score is usually a green light for lenders, indicating that you’re a trustworthy borrower. Since it measures your creditworthiness, this boosts your chances of getting approved for credit.

If you get a high score on your credit score check in Australia, it often means more favourable conditions, such as reduced interest rates and a higher borrowing capacity. Over time, these lower rates can translate into substantial savings.

Moreover, the influence of a credit score extends beyond borrowing. Landlords might take your credit score into account when you’re applying for a rental property, associating a high score with financial reliability. 

For reference, a credit score of 800 and above for Experian and illion, or 853 and above for Equifax, would be considered ‘excellent’. 

Learning how to get credit scores checked and how to work on credit score inadequacies becomes a multifaceted financial advantage.

What are some easy ways I can work on my credit score to improve it?

Enhancing your credit score doesn’t happen overnight. However, understanding how to work on credit score issues and employing a few strategies can expedite the process:

  • Timely payments. Considering the significant impact of payment history on your score, it’s essential to make all your bill payments promptly.
  • Optimise your credit utilisation. For credit cards, lines of credit, and similar credit products, strive to utilise less than 30% of your total capacity and focus on reducing debt where feasible.
  • Minimise hard enquiries. A hard credit check is logged every time you apply for credit, which could cause your score to drop. Limit these applications to when they’re absolutely necessary.
  • Maintain a diverse credit portfolio. Having a variety of credit types (such as credit cards, retail accounts, instalment loans, and mortgages) and managing them well can positively impact your score.

Learning how to work on credit score concerns will help you cultivate healthy credit habits over time.

By implementing strategies such as timely payments, optimising credit utilisation, minimising hard inquiries, and maintaining a diverse credit portfolio, individuals can improve their credit scores and cultivate healthy credit habits for a brighter financial future.

Understanding how to work on credit score issues is also essential for financial health, and the MONEYME Credit Score tool provides a streamlined solution. With this tool, available through the MONEYME mobile app, users can conveniently check their credit score and receive insights equivalent to what lenders see.

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied