What's A Credit Score And Why Is It Important?

What's A Credit Score And 

Why Is It Important?

Like it or not, banks, lenders, phone companies and electricity providers share a persons financial information with each other.

All of this information is held in a database known as a Credit Report. 

Everyone who has ever applied for a loan, credit card, a lease, mobile phone contract or any other type of finance has a Credit Report.

In this Credit Report there is a three or four digit number that banks use to approve a loan...it's called a Credit Score.

For example and as a rule of thumb, if the Credit Score is above 950 (and the applicant meets all their other criteria) the loan is approved at the best rate, if it's below that then the loan will be declined OR the lender will charge a higher interest rate.

The higher the credit score, the lower the interest rate.

Even One Missed Payment Could

Affect Someones Credit Score

For Between 2 And 5 Years

Even One Missed Payment Could Affect Someones Credit Score For Between 2 and 5 Years

Who Looks At A Credit Score Or Credit Report Anyway?

Who Looks At A Credit Score 

Or Credit Report Anyway?

Surprisingly allot more businesses and organisations look at someone's Credit Score and Credit Report than we realise. 

They use it to find out what type of person they are providing services to.

In our 19 years experience, we've seen a wide range use of this data:

❌ A new or current employer use it to see if they can trust people

❌ Insurers use it determine how risky of a customer they might be

❌ Landlords and real estate agents use it to determine if rent will be paid

❌ Telco's use it to decide if they will offer a mobile phone or internet contract

❌ Banks and lenders use it to decide if they'll approve a loan or how much interest to charge

Because of this, we think it's critical that everyone knows what's on their credit report before it's too late.

A Low Credit Score Can Have 

Huge Negative Impacts

A Low Credit Score Can Have Huge Negative Impacts

A low Credit Score or Credit Report can have significant impacts to someones financial health.

Just a small black mark can force people to:

❌ Pay $100,000+ more in interest on a mortgage or other finance 

❌ Have loans, credit cards or phone contracts declined

❌ Have to provide a guarantor or additional security for a loan

These affects can last for years and get people into a spiral that is hard to get out of.

We have direct access to Equifax, Experian, Illion (the three major databases that hold Credit Reports and Credit Scores in Australia). 

This is the same access that the banks have, but our access doesn't affect anyones Credit Score.

We make it easy to compare Credit Reports and Credit Scores between all of the different databases. 

This will help identify areas that need action to reach the end goal.

Our friendly and experienced team will explain the Credit Report and Credit Scores one-on-one. This is perfect for anyone who wants personalised help to reach their financial goals.

We're experts in this field, no one has more experience in Australia. 

That's probably why we've been able to help more than 400,000 people access their reports.

How It Works

How It Works

How It Works

How It Works

Don't Just Take Our Word For It

Don't Leave It Too Late...It's Time To Take Action

It's easy to put this off. 

We get it, life can get in the way. 

But this is something that could be costing people thousands of dollars right now.

It's important to get started and take action right away.

Here are some simple steps to get started:

1. Obtain a copy of your credit report and credit score

2. Claim a free financial health check

3. Learn what impacts a score and what action can be taken to avoid it

Why Are We Doing This?

Okay, we can hear the skepticism from here. 

Why are we going to all of this trouble to assist people with a Credit Score and bonus financial health check?

There's two reasons. 

Firstly, we know what it's like to feel trapped by finances and credit. 

We want to help as many people as possible explore their options and their financial health.

Secondly, we are actually really good at what we do and this is how we get new clients. 

We show how awesome we are and what we're capable of and some people ask how we can give them even more help and support.

There’s no pressure...