Do you know
your credit
score?

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
insights

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
doing
business.

Explore our impact
svg-image

Get in-depth
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.

svg-image

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.

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.

What Is My Credit Score Australia



It’s all about opportunity, especially in the world of finance.

A lot of Australians think about what they could do with extra funds, and this leads them to consider loans, cash advances, and credit cards. These are finance options that can help with dream purchases, and as such, most people end up searching terms like ‘What is my credit score Australia?’ or ‘What is a good credit score Australia?’ on the web.

This is an excellent starting point, but for many, a credit rating check can be a source of anxiety. However, what’s great is that there’s an easy way to go through this daunting process, and that’s through MONEYME. Here, you can have access to our Credit Score tool, which is not only 100% free but easy to use as well. 

With us, you no longer have to spend hours looking up questions like ‘What is my credit score Australia?’ or ‘How do I check my credit score Australia?’ online. Instead, you can simply install the MONEYME mobile app, which is available on the App Store and the Google Play Store. 

In order to view your credit score, begin by sharing some standard contact details. We’ll ask for your name, number, email, DOB, address, and driver’s licence number (optional). With this data, we’ll then perform a personalised credit check, giving you the same information banks and lenders assess when they evaluate your creditworthiness.

On top of this, the MONEYME mobile app can also equip you with tips and tricks to improve your credit score and even provide you with special offers. This will ultimately give you a deeper understanding of your financial situation and what steps you could take to improve your chances of a successful credit application. 

For those keen on checking credit score reports, know that we’ll be able to give you a comprehensive summary of the following points: 

  • The amount of credit you’ve previously borrowed
  • Repayment history for any loans or credit cards you’ve used
  • Credit limits you’re currently under, e.g., on a credit card
  • How many applications you’ve made in the past (and how frequently you've made them)
  • Defaults, bankruptcies, or court judgements tied to your name

With these pieces of information laid out, you can have a better time managing your finances to your liking. Learn how to view your credit score with us at MONEYME and conclude your online search for terms like ‘What is my credit score Australia?’ or ‘How to check credit score in Australia?’



What is a good credit score in Australia?

It’s not enough to search terms like ‘What is my credit score Australia?’ or ‘How do I check my credit rating?’ online, you also have to know what a good credit score is. Depending on the reporting agency, credit scores range from 0 to 1,000 or 0 to 1,200. Aside from the ranges varying, these reporting agencies have their own unique scales for judging what a good credit score is. 

For Experian, a good credit score is 625 to 699; a very good credit score ranges from 700 to 799; and an excellent credit score is 800 to 1,000. 

As for illion, a good credit score ranges from 500 to 699; a great credit rating is 700 to 799; and an excellent credit score is 800 to 1,000. 

Finally, for Equifax, a good credit score is 661 to 734; a very good credit score starts at 735 up until 852; and an excellent credit rating runs from 853 to 1,200.



What are the advantages of checking my credit score?

Searches for terms like ‘What is my credit score Australia?’ or ‘credit check Australia’ have been steadily increasing. That’s because the advantages of checking your credit score include seeing your spending track record and visualising the funding opportunities you can take advantage of. 

Financial institutions, such as banks and lenders, view those with higher credit scores as reliable borrowers – those with a lower risk of defaulting or missing repayments. For example, while there are loans for low credit score holders, better terms (interest rates, principal balance, etc.) are generally given to those with good credit scores. 

Additionally, another benefit of checking your credit score is watching your progress unfold. Even if you search ‘What is my credit score Australia’ online and find that you don’t have a good credit score, you can make positive changes – by settling outstanding payments and paying bills on time, for example – to improve your rating and then work your way up to better credit conditions. 



Where can I check my credit score online?

When it comes to checking credit scores for free online, there are three main reporting agencies: Experian, illion, and Equifax. They gather and compile your financial data, giving you the opportunity to prepare for a personal loan, cash advance, or credit card application. 

Searching for terms like ‘What is my credit score Australia’ or perhaps ‘find my credit rating Australia’ may bring you to their platform, but keep in mind that, for each of these reporting bodies, you can only make a free request every three months. 

If you want constant updates on your credit score, then you would have to shell out some cash just to view your current standing. For this reason, the best credit score check for your situation may be one that’s provided by an easy-to-use tool, such as the MONEYME app, that you can access frequently, immediately, and with no additional charges. 

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