Learn about how a credit history is made
If you've ever applied for finance, you will have a credit file. But who gives you a credit score Australia?
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Credit Score Australia

Who Gives You A Credit Score?

1. Credit score Australia is determined by the credit report agencies:

2. It is the credit provider that enters information about you that actually dictates what your score will be. If you are wondering who gives you a credit score, then technically it is determined by a number of variables. You can also affect your own credit score by how you manage repayments, moving address or making credit applications.

Since different agencies can hold different information, you may have a credit report with more than one agency.

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Credit providers

These include banks and credit unions, such as Commbank, St George, ANZ, NAB and Westpac.

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Credit card companies

These include Visa, American Express, MasterCard and others.

car finance and loan companies

Auto finance companies

For finance on new, used and refinanced car loans.

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Organisations offering credit

This can include accountants and solicitors.

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Organizations you've applied to

For a government license or benefit (if the agency is required to consider your financial status)

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Government agencies

Usually can only look at your name, address, former addresses, and current and former employers.

Credit Score Australia Example

For example, let’s say you have secured credit to purchase a car. At some point you fall behind with your payments. Chances are the finance company you used to fund the car would record this event with the credit reporting agencies and this would affect your credit score. If you are unable to resolve this credit issue with the finance company, they may record a payment default on your credit file. Such listings can have disastrous affects on your credit score.

Just remember, while it is the credit reporting agencies that record the information and give you a credit score, it is the credit providers and your own activity that determine what your credit score will be.

If you find yourself with negative listings on your credit file, Clean Credit can help. Credit score Australia can be improved through our credit repair service. We specialise in helping people remove negative credit items such as defaults and judgments from their credit files, restoring their credit rating and allowing them to secure credit once again.

Read more on who gives you a credit score Australia

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Student Guide: Money Saving Tips To Improve My Credit File

There are three major reasons why a person’s credit score goes down. Having too much debt, not paying bills on time and leaving errors on the credit file undisputed. The bottom line is, you’re overcharging your credit accounts and underpaying them. If money is the issue—then, it’s time to do some saving up.

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