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My Free Credit Score

Do you know
your
credit score?

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

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Master your credit score 

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

Free credit
score check

Personalised insights
about your score

Track how your score
changes over time

Tips and tricks to
improve your score

Your credit score
matters

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

Check your score to understand how lenders
see you as a borrower.

Subject to lender criteria and T&Cs

Get personalised
insights

We’ll help you improve your credit score with
helpful insights. See what’s on your credit file,
how it’s impacting your score and what you can
do about it.

Track your
progress

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.

Stay on top of your score!

Boost your knowledge

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 more.

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My Free Credit Score



Have you been looking up ‘my free credit score’ or ‘check credit score Australia free’? Your credit score is more than just a number, yet many people are unaware of the importance of regularly keeping tabs on it.

It is common for people to search for ‘my free credit score’ online because reviewing your credit report and being aware of your score and how it changes can help you understand what steps you can take to improve it in the future. If you want to make informed financial decisions and check for any mistakes on your credit report, keeping an eye on your credit score on a regular basis is ideal.



What is included in my credit report?

If you have ever applied for a loan, line of credit, or another credit product, you will have a credit record made about you.

Your credit report is a statement with information that paints a picture of your financial history. It has all the standard information to identify you as you – i.e., your name, place of birth, where you reside, and your employer.

This report outlines your past monetary obligations and how you have addressed them. It details whether the payments were made in a timely fashion, if any were missed, or if there was a case of non-payment or default for any credit obligations. 

If you have struggled with repayment in the past, it may also include details about instances where you have missed payments, been taken to court, or filed for bankruptcy.

Your credit score, used by lending institutions to judge your financial reliability, includes all of this information. Since credit scores are used to measure one’s creditworthiness, having a good score means you are more likely to be approved for credit with better terms and lower interest rates. This is why so many people look up ‘my free credit score’ online.

Have you been looking up ‘What’s a good credit score in Australia?’ online? Some credit reporting agencies use a scale from 0 to 1,000, while others use a scale from 0 to 1,200. At Equifax, the following scale is typically used to evaluate your creditworthiness:

  • 0 to 459 = Below average 
  • 460 to 660 = Average
  • 661 to 734 = Good
  • 735 to 852 = Very Good
  • 853 to 1,200 = Excellent


When should I request a credit score report?

Monitoring your credit score is an essential part of maintaining your financial health. Fortunately for everyone who has been filling their browsers with searches for ‘free credit score check Australia’ and ‘how to view my credit score for free’, you are entitled to a free copy of your consumer credit report every three months to help you stay on top of things.

If you are interested in finding ‘my free credit score’, these reports provide valuable insights into how lenders view your creditworthiness and can help you identify any areas where you may need to improve.

In addition to regular monitoring, you should also request a copy of your credit report before making any major financial decisions or applying for new credit. This will give you a clear picture of where you stand and help you avoid any unpleasant surprises.

Your credit score can change on a monthly basis, if not more frequently. To keep tabs on it, instead of researching ‘my free credit score’ online, we recommend logging into your MONEYME app and checking your score with the Credit Score tool at least once a month. This can help you spot any unexpected changes and take action to address them if necessary.

And if you do spot any issues, you can take steps to address them and improve your perceived overall financial health.



Where can I get a free credit score report online?

For those asking ‘How can I check my credit score?’ or ‘What is my credit score in Australia?’ when it comes to credit reporting bodies in Australia, the main three agencies are illion, Equifax, and Experian. In accordance with the law, you are entitled to access a free credit report every three months from each of them. 

Those interested in finding ‘my free credit score’ can also request a free copy of their report if they have been turned down for credit in the past ninety days or if any of their credit reporting information has been corrected. However, if you request your report at other times, you may be charged a fee.

But with MONEYME, there is a simpler way to stay on top of your credit score. We offer a hassle-free way to view your credit score online via our mobile app. Our Credit Score tool provides you with a fast and personalised credit check at no cost. You can gain access to the same information that banks and lenders use to evaluate your creditworthiness from your phone. 

In addition, our app provides tips and tricks to help improve your credit score, as well as exclusive offers for our customers. 

There’s no need to look up ‘best credit score check Australia’ or ‘my free credit score’ any longer. With the MONEYME app, you can quickly and easily check your credit score without having to pay any additional fees, take a more proactive approach to your finances, and make informed decisions about your borrowing needs.

*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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