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.

With the Finder app, you'll get your credit score for free each month, as well as updates on your credit report and tips on how to improve your score. 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.

No, it won't affect your credit 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. Our Chance of Approval* feature can tell you if you're likely to get approved for a personal loan or credit card before you even apply.

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.

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). You'll also get access to personalised loan and credit card offers through our Chance of Approval feature.

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.

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.

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).

*Finder's Chance of Approval feature provides an indication only. It is not a guarantee of approval. Applications for credit products are always subject to the lender's T&CS and application and lending criteria.

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.

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.

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

No. Credit bureaus will only create a report for someone when they receive data about that person from financial institutions and other organisations that send credit data (such as credit card issuers). If no information has been sent, you won't have a credit report.

If you've never taken out a credit card, loan or other type of credit (including things like utilities or phone bills), chances are you may not have a credit score or credit report. If you are certain you have taken out a form of credit and still don't have a credit score, it may be worth contacting your credit provider to get it reported with the various credit bureaus who supply credit reports.

Your credit report is a detailed record of your borrowing history, with information on the loans, credit cards and credit accounts you've held and applied for. It also includes personal information like your name and address.

Your credit score is a number that is calculated using the information on your credit report, which indicates how much of a risk you are to lenders.

Yes, cancelling a credit card will appear on your credit report, and can therefore impact your credit score. However, this doesn't mean it will necessarily damage your score, and cancelling a card can actually have a positive influence on your score.

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.

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.

You can check your score for free as often as you like, but it will be only be updated once per month, and may stay the same from 1 month to the next if there's been no changes to your credit file.

However, it's worth regularly checking your credit report to make sure there's been no unexpected changes to your credit file. It's also a good idea to keep on top of your credit score if you're currently saving for a house or are looking for a credit card or a loan.

Yes. It's a good idea to check both your credit score and your credit report.

Your credit score can change at any time. For example, your credit score could change if you apply for credit, close an account or adjust a credit limit. We'll update your score once a month.

Your credit score may have decreased due to a number of different factors, even things you may not realise impact your credit score.

This includes obvious factors like defaulting on a loan, missing repayments or declaring bankruptcy, but can also be things like applying for too many credit cards in a short period of time, court summons or errors on your credit report.

You can improve your credit score by working on some of your day-to-day financial behaviour. Your credit report will explain how your credit score is calculated so make sure you get a copy of your report from Finder.

Check out our full guide on how to improve your credit score.

Any time you take out a loan or credit account it will appear on your credit history and impact your credit score. In order to build good credit histor, it's important to pay all your bills and credit repayments on time, and avoid applying for too many additional loans.

No, you can't erase or reset your credit history in Australia. The only time information can be removed from your credit report is if it was listed in error. However, specific events and enquiries will be removed from your credit report after a certain period of time.

If you find any incorrect information on your credit report, you should contact Experian immediately to investigate the listing and, if necessary, have it removed. You can find the bureau's contact details at the bottom of your credit report within your Finder account.

There isn't such a thing as a starting credit score. Your initial credit score will vary based on your previous financial behaviour. You'll only be given a credit score once you have some credit history listed on your report. This could include things like applying for or taking out a loan or credit card or applying for a phone plan, as well as paying bills.

According to Finder research, the average credit score in Australia is 735, based on an analysis of over 59,000 Finder credit reports. In 2021, the average credit score was 711.

Our data also shows that 79% of Australians have a "good" credit score or better.

On a scale of 0 to 1,000, anything below 550 is considered to be a "below average" or bad credit score. But don't worry, there are loads of ways that you can get your score back on track and improve it.

The highest credit score you can have is 1,000. This is the maximum credit score possible on the Experian credit score scale, which is the reporting agency that Finder uses to provide your score.

While there is no minimum credit score that you'll need to be eligible for a home loan in Australia, having a "good" credit score (or higher) could help secure you a home loan.

However, your credit score is just one of the factors that lenders will take into account when determining your eligibilty for a home loan. Other factors like your current income, assets, debts and personal situation also play a major role in whether you'll be approved for a mortgage and how much you'll be able to borrow.