Why Credit Savvy?

Last updated: 28 March 2020

You might’ve noticed that there has been an increase in sites offering you access to your credit score.  So who do you go with? We might be a touch biased but we’re happy to delve into what makes Credit Savvy different from the rest and let you make up your own mind.

 

# IT’S FREE

Yep, completely and utterly free, we will never ask you for any sort of payment details.

 

# IT’S SECURE

We use bank level encryption technology to protect your data, so no one else can get at it.

 

# WE WILL NEVER GIVE OR SELL YOUR DETAILS ON TO ANYONE ELSE

While other credit score sites have links to debt collection agencies or lenders to whom they may give access to your personal data resulting in cold calls and unsolicited emails, we will never do that to you – we respect your privacy.

 

# ACCESS TO MORE THAN JUST A NUMBER

Some sites will just give you a score with no explanation of what is on your report to make that score what it is – what use is that? With Credit Savvy you have access to not only your score but a summary of your Experian credit file as well so you can see what’s behind your score and if the information held on you is correct.

 

# YOU CAN HAVE ACCESS WHENEVER YOU LIKE

Unlike other credit score sites which may only give you a score update every 6 months, we give you access to your score and report whenever (and wherever) you like – just log in and take a look – your score and report information will be updated every month so you can track exactly what’s going on as it happens.

 

# WE’LL SEND YOU ALERTS WHEN SOMETHING HAPPENS ON YOUR FILE

As soon as we know, you’ll know.  If something major happens on your credit file, we will send you an alert email so that you know what’s going on and can check to make sure it’s legit. This means that not only can you see how your actions affect your score but you can catch an error or fraudulent entry on your file as soon as it is reported and get it corrected.

 

# YOU CAN SEE HOW YOUR SCORE COMPARES

Getting a credit score is all well and good, but how do you know where you stand in relation to the average Aussie? Check out the See how you rank page. We’ll show how you stack up against the rest of Australia, your state, postcode, age and gender – so you can make relevant comparisons and see where you stand.

 

# WE HELP YOU PUT YOUR SCORE TO USE

Once you’ve got your score and understand what’s behind it, we then help you put it to work! Your score could mean you could get a lower interest rate on some credit products. It’s an honour to help you in all aspects of your financial journey.

 

# BUT DON’T JUST LET US TELL YOU

Not to blow our own trumpet but here’s a few things our members had to say about us:

“Credit Savvy has given me helpful tips and told me things that I would not have known so I can get on top of my credit score. THANKYOU.” – Karen

“It used to be quite daunting and expensive, to keep paying for a report… but this site enables people to see first-hand just what it all means to have good credit rating, to get on top of things and to rectify the problems” – Mark

“It’s just so useful to know how you’re travelling credit-wise. Thanks for providing this great free service” – Kathy

 

So, there are just a few of the things that set us apart from the pack.

Getting smart about credit has never been so simple, so why not join us and become a Credit Savvy member >

Advertiser Disclosure

~Comparison rate is calculated as indicated. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different fees, terms, or a different loan amount might result in a different comparison rate. Credit Savvy endeavours to show accurate and up to date information however product provider interest rates may change without notice and may be different on the product issuer’s website. You should consider the product providers website before making a decision on whether to apply for a product.

**The indicative repayments are based on the offer settings information added for loan amount and duration only and may not include all fees and charges.

This is an information service only and any information displayed is not to be taken as a recommendation for you to take out a particular product. Where Credit Savvy displays credit products that you may be eligible for, this means that the lender has indicated that applicants must at a minimum meet this credit score as part of the product criteria. Credit Savvy does not take into account your objectives, financial situation or needs when displaying any products on its website.

Products shown are only a selection and not representative of all products in the market. Loan products shown are limited to those issued by the Commonwealth Bank of Australia (CBA) ABN 48 123 123 124 and AFSL/Australian credit licence 234945. CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 and Australian Credit Licence 516487, trading as Credit Savvy Australia is a wholly owned but non-guaranteed subsidiary of CBA. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia.

All loan product applications are subject to the provider's credit criteria, approval and terms and conditions. Conditions, fees and charges may apply. Interest rates are subject to change and some products may have lower introductory rates which revert to higher rates after a set period of time. You should consider your own objectives, financial situation and needs, along with the product's terms and conditions, before making a decision to apply for a product. Once you click on a link or apply for a certain product you will be dealing with the provider and not us. We do not accept any liability in respect of any product from any provider.

The display or order of products is not an indication of product ranking or suitability. Commercial arrangements exist with some providers (which may include payments that we receive from them for displaying their products and associated click throughs.

Credit Savvy endeavours to provide accurate information and no responsibility is taken for errors or oversights. The results from any calculations, such as indicative monthly repayments, are estimates only and should be used for general information purposes.

We act as a credit intermediary and do not provide personal financial, legal or tax advice, or credit assistance of any form. Any content featured on the site is of a general and informative nature only and does not take into account your personal objectives, financial situation or needs. You should consider your needs, along with the product's terms and conditions before making a decision. We do not accept any liability in respect of any product or service which you elect to acquire from any provider.

© 2024 CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 and Australian Credit Licence 516487, trading as Credit Savvy Australia.
Credit Savvy is a trademark of CBA New Digital Businesses Pty Ltd. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia.

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