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Credit Score

How often does your credit score change?

How often your credit score updates will depend on how often a bank, lender or service provider offers information to credit bureaus.

Mark Bristow

Mark Bristow -

07 Nov, 2024 -

4 min read

Credit Score

What is Equifax One Score?

Australian credit reporting bureau Equifax has credit score system that could mean your credit behaviours are better reflected.

Eden Radford

Eden Radford -

28 Jan, 2024 -

4 min read

Credit Score

What are the different types of credit scores?

When you apply for a loan or a credit card, the lender will check for your credit score. There are different kinds of credit reporting agencies, each with their own types of credit scores and systems of collating your financial data.

Jodie Humphries

Jodie Humphries -

12 Nov, 2023 -

4 min read

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Car Loans

Is there a minimum credit score for a car loan in Australia?

In promising news for prospective buyers with a shaky credit history, there’s no fixed minimum credit score for a car loan in Australia. However, as lenders refer to your credit score to determine the risk of providing a loan to you, a lower score might make them wary of lending to you.

Vidhu Bajaj

Vidhu Bajaj -

14 Dec, 2021 -

4 min read

Car Loans

Can I get a car loan with bad credit?

Having a bad credit rating doesn't have to mean the end to your dream of owning your own car.

Bria Horne

Bria Horne -

04 Sep, 2024 -

5 min read

Car Loans

Does your credit score affect your car loan application?

If you’re getting ready to apply for a car loan, you may be wondering how much of an impact your credit score could have on the success of your application.

Georgia Brown

Georgia Brown -

08 Jul, 2022 -

4 min read

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Credit Cards

What happens if you don't have a credit score?

So, what happens if you don’t have a credit score? And how can you build up your credit history without risking falling into debt? Here are some helpful tips to guide you through developing your credit score.

Alex Ritchie

Alex Ritchie -

15 Aug, 2020 -

6 min read

Credit Cards

Does paying off a credit card immediately improve your credit score?

One of the best ways to boost your credit score so is by paying off your credit card debt. It may take a few weeks, or up to three months, for your credit score to update once you pay off your credit card balance.

Alex Ritchie

Alex Ritchie -

11 Jan, 2023 -

4 min read

Credit Cards

How to repair your credit score

Having a bad credit score can sometimes feel like a life sentence. However, there are ways to get your credit score back on track.

Mark Bristow

Mark Bristow -

14 Mar, 2025 -

6 min read

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Home Loans

What credit score do I need to buy a home?

When you are starting the home loan application process, you could have some anxious moments about how lenders will view your application. Typically, lenders look at factors such as age, occupation, and income. In addition to those, your credit score plays an important role in evaluating your application.

Jodie Humphries

Jodie Humphries -

02 Oct, 2020 -

5 min read

Home Loans

Which credit report is used for home loans?

When reviewing your home loan application, lenders may request your credit report from one of three credit reporting bureaus, but only with your permission.

Jodie Humphries

Jodie Humphries -

22 Mar, 2022 -

4 min read

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Personal Loans

9 ways to improve your credit score

If you want to learn how to improve your credit score, you��_ve come to the right place. We��_ve got nine great tips that can help you boost your standing in the eyes of banks and other credit providers.

Nick Bendel

Nick Bendel -

03 Jul, 2018 -

7 min read

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Credit Score

Credit Score report equifax

Credit Score report equifax

Bo Yuan -

16 Dec, 2020 -

0 min read

Nonspecific

Terms of Use for the RateCity website

You should read the Site T&Cs carefully before using the information and services available through the Site.

Mark Bristow

Mark Bristow -

28 Apr, 2017 -

29 min read

Personal Loans

How are you handling the cost of living? Some of the top-rated personal loans in November 2024

Australia’s cost of living is still rising, but more slowly than previously, according to the latest data from the Australian Bureau of Statistics (ABS).

Mark Bristow

Mark Bristow -

06 Nov, 2024 -

3 min read

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Credit Score

Medibank and Optus hacks serve as timely reminder to check your credit score

Your credit score helps lenders determine whether or not you’re an equitable borrower. Performing regular credit score checks is a sensible, preventative measure to monitor whether someone has illicitly used your personal information to obtain a line of credit.

Peter Terlato

Peter Terlato -

09 Nov, 2022 -

5 min read

Credit Score

Who can access my credit report?

In Australia, only a very specific list of businesses and lenders can access your credit report - and they must only do so for specific reasons.

Eden Radford

Eden Radford -

15 Mar, 2024 -

2 min read

Credit Score

Should you freeze your credit report?

Banks and lenders use your credit scores when deciding whether or not to approve your loan application. Learning your credit score may be the simplest way to identify fraudulent activity and may also encourage you to improve your rating in order to become a more viable candidate for financing.

Peter Terlato

Peter Terlato -

13 Oct, 2023 -

3 min read

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Credit Cards

Financial stress on the rise – what can you do about it?

More Australians may be turning to credit cards to help manage their household expenses, according to a new report. With the cost of living putting pressure on many budgets, what can you do to better manage your credit?

Mark Bristow

Mark Bristow -

02 May, 2024 -

4 min read

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