Understand what affects your score Protect your identity Your score at your fingertips Stay alert, stay ahead Take control of your score Your data safety is our priority 500K+ Aussies love us What our experts say about Finder credit score Your important questions answered Getting your Finder credit score It's free – what's the catch? There's no catch. We want to help Australians make better decisions, and we think your credit score is the perfect place to start. We want Aussies to have access to their full credit report so that they can work towards improving their finances and making better decisions with their money. It's free – what's the catch? There's no catch. We want to help Australians make better decisions, and we think your credit score is the perfect place to start. We want Aussies to have access to their full credit report so that they can work towards improving their finances and making better decisions with their money. Why is Finder different? With Finder, you can check your credit score as many times as you like and will get your credit report each month for free. While other credit score bureaus offer free credit reports, you'll be limited in how many times you can access it without paying for the service. Why is Finder different? With Finder, you can check your credit score as many times as you like and will get your credit report each month for free. While other credit score bureaus offer free credit reports, you'll be limited in how many times you can access it without paying for the service. Will checking my credit report with Finder affect my credit score? No, it won't affect your score. This is because checking your report with Finder is considered a "soft inquiry" as opposed to a "hard inquiry", which would affect your score. Actions such as applying for a loan or credit card are considered hard inquiries and can affect your credit score. That's why it's super important to only apply for products that you're sure about, to limit the number of applications you make. Will checking my credit report with Finder affect my credit score? No, it won't affect your score. This is because checking your report with Finder is considered a "soft inquiry" as opposed to a "hard inquiry", which would affect your score. Actions such as applying for a loan or credit card are considered hard inquiries and can affect your credit score. That's why it's super important to only apply for products that you're sure about, to limit the number of applications you make. Why do I need to sign up for an account? In order to provide you with your report, we need to confirm your identity. We do this through your account, where we'll keep your information safe and sound. You can take a look at our Privacy Policy for more information. Why do I need to sign up for an account? In order to provide you with your report, we need to confirm your identity. We do this through your account, where we'll keep your information safe and sound. You can take a look at our Privacy Policy for more information. What else do I get with my free credit score? Along with free monthly credit reports, you'll also get exclusive access to Finder's Dollar Saver Newsletter (where you can save up to $19,000 a year using our expert tips). What else do I get with my free credit score? Along with free monthly credit reports, you'll also get exclusive access to Finder's Dollar Saver Newsletter (where you can save up to $19,000 a year using our expert tips). Why do I need to give you my personal details and document numbers? We need these to verify your identity. This helps keep your information secure and makes sure we're sending you the correct credit report information. Why do I need to give you my personal details and document numbers? We need these to verify your identity. This helps keep your information secure and makes sure we're sending you the correct credit report information. How does your credit file monitoring service work? Finder tracks your credit score and every month we'll send you an update if anything has changed. That way, you'll be notified of any changes to your score and can take quick action if you suspect fraudulent activity or errors on your report. How does your credit file monitoring service work? Finder tracks your credit score and every month we'll send you an update if anything has changed. That way, you'll be notified of any changes to your score and can take quick action if you suspect fraudulent activity or errors on your report. What if my identity isn't verified even though I'm entering the correct information? If you can, try a different form of identification. You will have 2 attempts to input your document details, after which the form will be frozen for safety reasons. If you're still struggling, head to our Finder app support page where you can live chat with us or shoot us an email (don't worry, you can do this if you're getting your score through the web, too). What if my identity isn't verified even though I'm entering the correct information? If you can, try a different form of identification. You will have 2 attempts to input your document details, after which the form will be frozen for safety reasons. If you're still struggling, head to our Finder app support page where you can live chat with us or shoot us an email (don't worry, you can do this if you're getting your score through the web, too). Are credit scores important in Australia? Yes, your credit score is a key measure of your overall financial health and plays a big role in determining whether you are eligible for things like loans, credit cards, mortgages and even phone plans. Are credit scores important in Australia? Yes, your credit score is a key measure of your overall financial health and plays a big role in determining whether you are eligible for things like loans, credit cards, mortgages and even phone plans. What information is included in my credit file? Your credit file contains some of your financial information including repayment history, current debt, commercial and personal loans you have applied for and other details that help lenders assess your ability to responsibly manage credit. Here are the details contained in a credit report: Personal information. Your name and date of birth, your current address, where you work, your driver's license details and your gender are listed in your credit file. Default notes. This is information on any overdue debts you might have, payments you've missed on loans and utility bills and other serious credit infringements. Information that is public record. This section will contain any information that is held in the public record including bankruptcy notes, court writs and judgments, personal insolvency agreements and directorship or proprietorship information. Consumer credit information. This includes credit applications you've made in the last five years (whether they were approved or not), the type of those credit accounts, such as credit card or personal loans, account open and close dates, the credit limit of the accounts, your monthly repayment history on credit accounts and details on overdue accounts. Commercial credit information. Details of credit enquiries you may have made for commercial purposes and overdue commercial credit accounts are included in this section. Joint applicants. If you've applied for any loans or credit cards as a joint borrower this will be listed on your report. What information is included in my credit file? Your credit file contains some of your financial information including repayment history, current debt, commercial and personal loans you have applied for and other details that help lenders assess your ability to responsibly manage credit. Here are the details contained in a credit report: Personal information. Your name and date of birth, your current address, where you work, your driver's license details and your gender are listed in your credit file. Default notes. This is information on any overdue debts you might have, payments you've missed on loans and utility bills and other serious credit infringements. Information that is public record. This section will contain any information that is held in the public record including bankruptcy notes, court writs and judgments, personal insolvency agreements and directorship or proprietorship information. Consumer credit information. This includes credit applications you've made in the last five years (whether they were approved or not), the type of those credit accounts, such as credit card or personal loans, account open and close dates, the credit limit of the accounts, your monthly repayment history on credit accounts and details on overdue accounts. Commercial credit information. Details of credit enquiries you may have made for commercial purposes and overdue commercial credit accounts are included in this section. Joint applicants. If you've applied for any loans or credit cards as a joint borrower this will be listed on your report. What is comprehensive credit reporting? Comprehensive credit reporting (CCR) is a system whereby lenders share more of your data with credit bureaus that will be listed on your credit report. With CCR, additional information such as the type of credit you hold and whether you make payments on time will be included, as opposed to just the negative information such as defaults and bankruptcies. What is comprehensive credit reporting? Comprehensive credit reporting (CCR) is a system whereby lenders share more of your data with credit bureaus that will be listed on your credit report. With CCR, additional information such as the type of credit you hold and whether you make payments on time will be included, as opposed to just the negative information such as defaults and bankruptcies. How is my credit score calculated? There are a number of factors taken into consideration when calculating your credit score. And if you want to improve your score , you can try working on these elements. Your personal information, such as your age, how long you've been employed and the amount of time you've been at your current address The age of your credit report The type of credit providers on your report What credit you've held and your credit limits The number of credit enquiries listed on your report The pattern of your credit enquiries and shopping over time Default information and if you have any overdue debts, serious credit infringements or clearouts Court writs and judgements How is my credit score calculated? There are a number of factors taken into consideration when calculating your credit score. And if you want to improve your score , you can try working on these elements. Your personal information, such as your age, how long you've been employed and the amount of time you've been at your current address The age of your credit report The type of credit providers on your report What credit you've held and your credit limits The number of credit enquiries listed on your report The pattern of your credit enquiries and shopping over time Default information and if you have any overdue debts, serious credit infringements or clearouts Court writs and judgements How do I find out what my credit score is? Simply create a free Finder account and complete the KYC process to see your credit score. You'll then be able to check your current score whenever you want. How do I find out what my credit score is? Simply create a free Finder account and complete the KYC process to see your credit score. You'll then be able to check your current score whenever you want. How does your credit report protect me from identity theft? Over the last few years, Australian companies such as Optus, Latitude Financial, Medibank and Canva have suffered major data breaches. This has meant the personal details of millions of Australians have been exposed. If you personal details have been leaked, they can then be used to fraudulently apply for financial products in your name. By regularly checking your free credit report, you can stay on top of any irregularities in your credit file, including potential fraudulent credit applications or other forms of identity theft. How does your credit report protect me from identity theft? Over the last few years, Australian companies such as Optus, Latitude Financial, Medibank and Canva have suffered major data breaches. This has meant the personal details of millions of Australians have been exposed. If you personal details have been leaked, they can then be used to fraudulently apply for financial products in your name. By regularly checking your free credit report, you can stay on top of any irregularities in your credit file, including potential fraudulent credit applications or other forms of identity theft.

Is it safe to check my credit score? Yes, checking your free credit score with Finder is completely safe. Your data and personal details are protected by bank-level encryption. You can also check your score as many times as you like without it having an impact on your score. Is it safe to check my credit score? Yes, checking your free credit score with Finder is completely safe. Your data and personal details are protected by bank-level encryption. You can also check your score as many times as you like without it having an impact on your score. Why is it important to check my credit report? Knowing your credit score and understanding your credit report gives you a good grasp of your financial position. Checking your credit score can help you feel more confident when making decisions about your money, and allows you to take out certain financial products like credit cards and loans. If you're looking to make a big purchase and you need to borrow money, it's better to check your credit score sooner rather than later so you can try to improve it if necessary. The higher the score, the more likely it is that you will be approved for credit. According to a 2023 Finder survey, 10% of Australians were able to negotiate better terms with their loan provider after getting their credit score, and 15% said they're now better at paying their bills on time. 17% of Australians have also taken action to improve their credit score after finding out how they are rated. Checking your credit report regularly can also help protect you against identity theft. With the Finder credit report, you'll receive free monthly updates of any changes to your credit score and credit file. This means you'll be able to monitor any fraudulent activity or applications that may have been taken out in your name. If you notice any errors or suspicious activity, you should report it to Experian immediately. Why is it important to check my credit report? Knowing your credit score and understanding your credit report gives you a good grasp of your financial position. Checking your credit score can help you feel more confident when making decisions about your money, and allows you to take out certain financial products like credit cards and loans. If you're looking to make a big purchase and you need to borrow money, it's better to check your credit score sooner rather than later so you can try to improve it if necessary. The higher the score, the more likely it is that you will be approved for credit. According to a 2023 Finder survey, 10% of Australians were able to negotiate better terms with their loan provider after getting their credit score, and 15% said they're now better at paying their bills on time. 17% of Australians have also taken action to improve their credit score after finding out how they are rated. Checking your credit report regularly can also help protect you against identity theft. With the Finder credit report, you'll receive free monthly updates of any changes to your credit score and credit file. This means you'll be able to monitor any fraudulent activity or applications that may have been taken out in your name. If you notice any errors or suspicious activity, you should report it to Experian immediately. Get it on the website Read more on Credit Score 2026 credit score changes: What you need to know How your new score is calculated and ranked, and how you can keep track of it for free. How your new score is calculated and ranked, and how you can keep track of it for free. Credit Repair Australia Credit Repair Australia can help you sort out your credit score and improve your chances of getting a loan or credit card. Credit Repair Australia can help you sort out your credit score and improve your chances of getting a loan or credit card. Credit Repair Companion review Take care of incorrect credit listings with Credit Repair Companion. Take care of incorrect credit listings with Credit Repair Companion. What is a good credit score? What makes for a good credit score, and how can you get one? What makes for a good credit score, and how can you get one? Credit reporting agencies in Australia Credit reporting bureaus issue credit reports and scores to consumers and lenders. Discover how they work in this guide. Credit reporting bureaus issue credit reports and scores to consumers and lenders. Discover how they work in this guide. How to request a credit ban in Australia Placing a ban on your credit report can help to protect you from fraud. Here's how to request and extend bans with Experian or Equifax in Australia. Placing a ban on your credit report can help to protect you from fraud. Here's how to request and extend bans with Experian or Equifax in Australia. How to improve your credit score 9 things you can do today to start improving your credit score. 9 things you can do today to start improving your credit score. Experian Credit Report How to get your free Experian credit score and credit report with Finder. How to get your free Experian credit score and credit report with Finder. What is a bad credit score in Australia? What is considered bad credit? Find out here and learn the steps to follow to improve your credit rating. What is considered bad credit? Find out here and learn the steps to follow to improve your credit rating. How long do credit enquiries stay on your credit file? How to remove enquiries from your report in 4 steps and a guide for improving your credit score. How to remove enquiries from your report in 4 steps and a guide for improving your credit score. Important information about this website Finder is a comparison service. We do not compare every product or every provider in the market. We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement. Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table. Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider. Advertiser disclosure Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles . Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with. Advertiser disclosure Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles . Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with. Finder's role Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below. Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer. Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below. Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer. How we make money We earn revenue from Finder in four principal ways: Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer. Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices. Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers. Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such. Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances. If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us . How we make money We earn revenue from Finder in four principal ways: Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer. Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices. Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers. Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such. Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances. If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us . Sorting and ranking products When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such. Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product. You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements. Sorting and ranking products When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such. Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product. You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements. AI-generated content Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice . AI-generated content Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice . Terms of service and privacy policy Please read our website terms of use and privacy policy for more information about our services and our approach to privacy. Terms of service and privacy policy Please read our website terms of use and privacy policy for more information about our services and our approach to privacy. We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision. Learn how we maintain accuracy on our site . Thank you for your feedback Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.