Free Credit Score Checking

Free Credit Score Checking
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I am always hearing about how important a credit score is in the United States and that it makes a huge difference on not only getting approved for a loan but also the interest rate you get on your loan. Today I have tested 4 free credit score checking sites to compare the differences.

In Australia, there is not much reference to credit scores and their importance when applying for credit. I have never bothered to run a check before now.

According to ASIC (Australian Securities and Investment Commission), your credit rating is calculated based on the following attributes. A score is given between 0 and 1000 or 0 and 1200 depending on the underlying agency.

  • Your personal details (such as age and where you live)
  • The type of credit providers you have used (e.g. bank or utility company)
  • The amount of credit you have borrowed
  • The number of credit applications and inquiries you have made
  • Any unpaid or overdue loans or credit
  • Any debt agreements or personal insolvency agreements relating to bankruptcy


Performing a quick google search for free credit score check comes up with the following sites also listed on ASIC


I decided to run my details through these agency’s to see what score and information I get. All providers required the same basic information and sign up to view the score. Full Name, Address, Date of Birth, Drivers License etc. Below are the results.

Credit Savvy

Very basic information including score and comparison to other members.

credit makincents

credit makincents

credit makincents


Credit Simple

The most comprehensive of the services with a score and a report containing factors that were taken into consideration when generating the score. Provides a free score each month.

credit makincents

credit makincents

credit makincents

credit makincents



Very basic with just a score and a category. Gives very little information about how your score is obtained. Offers 1 free credit check every 6 months.

credit makincents


Get Credit Score

Also very basic with just a score. Offers 1 free check every month that you log on.

credit makincents


My personal favorite was Credit Simple as it has the most detailed information about how the score was obtained and listed any attributes that had a positive or negative influence on my score. Free credit score checking sites do give your credit score but are heavily designed around offering you deals. Every site listed credit cards, personal loans, mortgage rates and the like.

If you sign up to one of these services use a secondary email account to avoid the marketing material that is bound to come your way.

Have you ever looked up your credit score with one of these sites? Do you know any other free credit score checking sites that offer more detailed information? I would love to hear about your experiences.

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