Your credit score is an important number to know.

A credit score is part of the information credit providers like banks, finance companies, and energy and phone providers can use to assess an application for credit.

A credit score is one indicator of your credit risk and is dynamic. It is calculated based on the information on your credit report at a point in time and as the information on a credit report changes, so does the score.

An Equifax credit score (also known as an Equifax Score) is between 0-1200. It is derived from the information on an individual’s credit file as held by Equifax when the score is requested. Generally a higher score is considered better as it indicates a lower risk.

It is a good idea to find out your credit score before you apply for credit as there are steps you can take to improve it. Equifax has a range of products that offer your Equifax Score. Find out more.

Credit Scores Topics

Improve your credit score

What impacts your credit score and how to keep yours healthy.

Learn More

Why credit scores matter

Why knowing your score is important and how credit providers use scores.

Learn More

Credit score basics - understanding your Equifax Score

Find out how an Equifax Score is calculated.

Learn More

Know where you stand with your credit score

Find out why it is important to know your credit score.

Learn More

Credit Scores Trending Questions

You can find out your Equifax Score here. By signing up to an annual subscription you can access your Equifax credit report and score and receive an update every year. For more frequent updates and additional features such as credit alerts, a score tracker and identity monitoring we have a range of different subscription packages.

If you’re looking for your free Equifax credit report you can get it here.

Your  Equifax Score is a summary of your credit information held by Equifax and indicates how finance and utility providers may view you when applying for credit. It is derived from information held on your credit report as held by Equifax when the score is requested. The Equifax Score is a number between 0-1200 and in simple terms, the higher your Equifax Score, the better your credit profile and the a lower credit risk.

What can be collected in a credit report is strictly regulated by the Privacy Act 1988 (Cth). We calculate the score using private and public information, collected from credit providers and other agencies (e.g. repayment histories, court actions relating to debit and credit, insolvency and ASIC records).