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Credit Score

Free Credit Score Check Australia

  • Free, secure & only takes 3 minutes! ⚡
  • Discover how banks and potential lenders see you 🏦
  • It’s a soft enquiry so your score won’t be affected 💎

How do I get my Credit Score?

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Create a free Canstar Account

To keep your information secure and retrievable, you will need a free Canstar Account. This will also enable you to continue to monitor your score.

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Verify your identity

Enter your passport or driver licence number, along with your residential address, through our secure platform so we can verify you against government records.

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Access your credit score and report

After retrieving your score, you can verify with a different ID to securely access your credit summary, contributing factors and score insights.

What is a Credit Score?

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Reflects borrowing behaviour

Credit scores are a reflection of an individual’s financial habits over time. Generally speaking, the more responsible you are with loans and repayments, the higher your score will be, reflecting your overall creditworthiness.

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Based on your credit history

Credit scores are calculated using information from a person’s credit report, including past and present debts, loans and loan enquiries, credit and store cards you’ve held, and your current credit card limit, amongst other factors.

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Used by lenders

Credit scores are used by lenders to assess the risk of lending money to individuals - generally speaking, if a borrower is perceived as less risky, they may have a higher chance of approval for a loan or credit product.

Why check my credit score?

Financial peace of mind

Even if you think you have a healthy credit score, it can be worth checking now and again just to get a picture of your financial health, and make sure there are no errors that need correcting.

Planning a big purchase

If you are planning on applying for a loan for a major purchase like a house, then it can be good to know your credit score, in order to get an idea of how banks and lenders will view you as a borrower before you start the application process.

Seeing if there’s improvement

If you have been trying to improve your credit score in order to be seen more favourably by banks and lenders, then periodically checking it to see if it has moved up can give you an idea of whether your strategies are working.

Credit Score FAQs

What our customers are saying

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Love this tool – super easy to use, and great to get an instant snapshot of your credit rating.

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Cathy W.

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Doing a check was user friendly and quick.

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Reg. O

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Have been relying on Canstar for years initially to research bank loan rates and this helped me talk confidently either to new lenders or to negotiate better rates with existing lenders.

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Leonie. K

Written by
Nina Rinella's profile picture
Nina Rinella
Editor-in-Chief
Edited by
Alasdair Duncan's profile picture
Alasdair Duncan
Content Editor
Fact Checked

Author: Nina Rinella

As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for eight years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp.

Nina has ghostwritten dozens of opinion pieces for publications including The Australian and has been interviewed on finance topics by the Herald Sun and the Sydney Morning Herald. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids.

Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series.

You can follow her on Instagram or Twitter, or Canstar on Facebook.

You can also read more about Canstar’s editorial team and our robust fact-checking process.


This content was reviewed by Digital Editor Alasdair Duncan as part of our fact-checking process.

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