RateCity

The RateCity app provides you with your credit score and report from Equifax, one of Australia’s major credit reporting bureaus. Over 50,000 Australians have already checked their credit scores with RateCity. Now you can get all this information on the go from your phone. It’s free and takes mere seconds.
Download the app and sign up to get your personalised credit score dashboard. We’ll also let you know when your score changes, and also share financial offers suited to your situation.
Checking your credit score is a step in the direction of your financial future. It only takes 60 seconds to check. And if your score needs improving, we’re here to help with tips and expert advice.
** Features **
With the RateCity credit score app you can:
-Check and track your Equifax credit score for free
-Receive your updated monthly credit report for free
-Be notified of changes to your credit score
-Feel safe, with all data encrypted and kept secure
-See a personalised credit score dashboard
-Find offers suited to your finances
-Learn how to improve your credit score
** Common credit score questions **
How often does your credit score change?Transactions and purchases can affect your credit score, not just applying for a home loan or a credit card. When a bank or financial institution passes this information to the Australian credit reporting bureaus, they’ll update your credit score and add it to your credit file. Paying back credit also updates your score, but so does not paying on time.
How often should you check your credit score? Both your credit score and credit history are worth checking for several reasons, such as if you want to apply for credit products or you're trying to improve a rating, looking for negative events or incorrect information. You can check your credit scores as frequently as you’d like, with experts recommending looking as little as once a year or as often as once a month.
What is a good credit score? Equifax uses a credit scoring system that divides scores into five tiers, covering Excellent, Very Good, Good, Fair, and Poor or Below Average. For example, if you check your credit score and find an Equifax credit score between 622 and 725, your score is technically considered to be “good”. Anything above this is even better.