Credit Scores

your credit

It’s easy and free to see where you stand.

What is a Credit Score?

It’s how lenders know to swipe right

Your credit score is a summary of your financial habits, and helps lenders get to know you better. Knowing your score will help you see where you stand.

Why check your scores?

  • See what lenders see.

  • Find out what affects your scores.

  • Get a better deal.

  • Catch mistakes early.

  • Stay up-to-date with your scores.

How it works

Easy as 1-2-3

Have your ID handy.

  • 01

    Create free profile

  • 02

    Verify your ID

  • 03

    Get your credit scores

The Wisr Difference

We're more than just scores

  • Resources, loan information and more.

  • A personalised rate tailored to your score.

  • You're protected with end-to-end data encryption.


Not bad for a financial product right?

Q1: Will checking my score hurt my credit score?

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 not able to see soft enquiries, so no dramas.

Q2: When are credit scores used?

In Australia, credit scores are used by lenders to understand how reliable someone will be in paying back credit.

It usually plays a role in these situations:

Q3: Who is keeping score?

Credit scores are generated by credit bureaus. Basically, they collect data relating to your history of borrowing and how good you are at paying your bills to paint a picture of your creditworthiness. 

Q4: How are credit scores calculated?

The exact way credit scores are calculated is kept under wraps by the bureaus. A true magician never reveals their secrets! 

However, we do know the main information used to calculate your credit score.


For the curious

  • It was! We thought it would be easier to keep all of our products under one Wisr umbrella. The product is new-and-improved, but we're still the same awesome team as before.