Kickstart Your Smart Part

A credit score is a number that financial institutions use to judge how likely you are to pay back any money they give you. The higher the score, the more stable and trustworthy they view you. The lower the score, erm well... you may have to give mum and dad a call. Just kidding.

Your credit score is not the only factor lenders look at, but it typically plays a role. You can check your standing with our Credit Scores tool.

This is the biggest credit myth out there! We make a ‘soft enquiryʼ with participating credit reporting bureaus. That means it is technically recorded, but it does not impact your credit score in the slightest. Credit providers are also unable to see soft enquiries, so no dramas.

Your credit score is important because many big life purchases (for example a car or home) usually requires a loan. The better your credit score, the better your likelihood of getting approved, and snagging a lower interest rate.

A good credit score over a lifetime can not only save you tens or even hundreds of thousands of dollars, but it can improve your overall quality of life.

Protect your credit rating because it is literally money in your pocket.

We've put together a whole FAQ to answer your burning questions. Check it out here. And for those of you who love reading the fine print, you can find our full terms and conditions here.