Get More From Your Credit Score
Banks and lenders know your credit score. Do you?
We are now part of MONEYME. Check your credit score by downloading the MONEYME app now!
Improve Your Score
With helpful insights from your credit report and tips on how to improve it.
Track Your Progress
See how your score changes over time.
Unlimited access
Check your score as many times as you like.
Data secure
The latest data security and encryption to protect your data.
How the process works
Sign up
Create your account in as little as 1 minute.
Get instant insights
See how financial institutions and lenders view you with instant insights.
Improve your score
Easy to understand tips and resources to help you get ahead.
Get more from your credit score
We all want more out of life, and with a great credit score you may have more options than you think.
Get your free credit score
Don’t pay to find your score, get yours here for free! Find out more about how it works and how to improve it with easy to understand insights.
Discover powerful insights
See how financial institutions such as banks and credit providers view you and get a better understanding of your financial situation. Get instant insights such as your payment history and any black marks.
Get help with tips & tricks
Knowing your score is one thing, but the real trick is knowing how to improve it! It's important to regularly check to find out if there have been any key changes to your credit file.
Identity thefts & mistakes
Checking in regularly could help you spot irregularities or incorrect information. If you notice something that doesn't seem right, we can help you take the next step in reporting issues.
Frequently Asked Questions
What is a credit score?
A credit score is a number that represents your credit worthiness as a borrower. Your credit score (also known as a credit rating) is determined by a number of different factors such as your borrowing and repayment history, as well as the frequency of your credit applications. The better your credit history is, the higher your credit score will be. Having a high credit score lets lenders know that you make repayments on time and you can manage your credit well.
What is a credit report?
A credit report is a full report of the data stored in your credit file at one of the credit bureaus (e.g. Experian or Equifax). Although the information in your credit file is generally the same at each credit bureau, each of them organises the data differently and formats its credit report in their own way. Everyone is entitled to one free credit report each year, after which they cost money to obtain and can take weeks to receive. You need to request these directly from the bureau.
How is my credit score calculated?
Your credit score is calculated by a credit bureau, using an algorithm that looks at the information from your credit file such as accounts open, defaults, missed payments and even bankruptcies. Your credit score will range from 1000 to 1,200 depending on the bureau but generally a higher credit score suggests you are less risky. If you have a low credit score, it can make it difficult to obtain a loan or credit.
Why is my credit score important?
Your credit score is important for a number of reasons:
- Your credit score is often used by a credit provider (such as banks, lenders, credit card companies, utilities, and telecommunications companies) to determine the risk of lending you money or extending your credit.
- It provides you with an opportunity to take actions to improve your score, increasing the chances that your future applications will be approved.
- Having a better credit score may also give you access to better offers.
What do you do if you are a victim of identity theft?
If you notice something that doesn't seem right or believe you've been a victim of identity theft, we'll help you take the next step in reporting issues. Alternatively, you can contact your credit provider directly to correct it.
Don't just take our word for it...
"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
March 2021
"Such an easy process to apply for my personal loan. From the start of the application to when the funds were in my bank was only a matter of a few days. Great service, would highly recommend”
Product Review
February 2021
“Cant speak highly enough of society one. They approached our application with reasonable thought and actually took notice of affordability not just debits from accounts. Nothing seems to be too much problem with this company. Highly recommend.”
March 2021
"Such an easy process to apply for my personal loan. From the start of the application to when the funds were in my bank was only a matter of a few days. Great service, would highly recommend”
Product Review
February 2021
“Cant speak highly enough of society one. They approached our application with reasonable thought and actually took notice of affordability not just debits from accounts. Nothing seems to be too much problem with this company. Highly recommend.”
March 2021
“Very speedy service fantastic people to deal with. Highly recommend society one for a personal loan. I am very impressed with them and will use them again if need be in the future”
Product Review
February 2021
“Cant speak highly enough of society one. They approached our application with reasonable thought and actually took notice of affordability not just debits from accounts. Nothing seems to be too much problem with this company. Highly recommend.”
March 2021
“Very speedy service fantastic people to deal with. Highly recommend society one for a personal loan. I am very impressed with them and will use them again if need be in the future”
Product Review
February 2021
“Society one is a refreshing new way of doing banking. From my application through to draw down the process was streamlined and timely, as advertised. No hesitation in recommending their services.”
March 2021
"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
March 2021
"Such an easy process to apply for my personal loan. From the start of the application to when the funds were in my bank was only a matter of a few days. Great service, would highly recommend”
Product Review
February 2021
“Cant speak highly enough of society one. They approached our application with reasonable thought and actually took notice of affordability not just debits from accounts. Nothing seems to be too much problem with this company. Highly recommend.”
March 2021
“Very speedy service fantastic people to deal with. Highly recommend society one for a personal loan. I am very impressed with them and will use them again if need be in the future”
Product Review
February 2021
“Society one is a refreshing new way of doing banking. From my application through to draw down the process was streamlined and timely, as advertised. No hesitation in recommending their services.”