Australia has two consumer credit bureaus, Equifax and Experian, and each keeps its own score on you. Get both free, enter them here, and see what a home loan lender is likely to make of them.
1. Get it free
2. Enter it here
Includes the data illion used to hold
1. Get it free
2. Enter it here
Your scores stay in this browser. Yeeld never sees them and doesn't run credit checks.
A guide, not credit advice. Score bands are the ranges each bureau publishes, as reported in November 2026; each lender decides for itself and also looks at your income, expenses and repayment history. Yeeld isn't paid by the services linked above.
Not on its own. Experian bought illion in 2024 and moved illion's consumer credit files into its own. Since 1 April 2026 Australia has two consumer credit bureaus, Equifax and Experian, so an Experian score now covers what illion used to report.
You can order a free credit report from Equifax and from Experian once every three months on their websites. The report may not include a number, so for a free score use an app that shows one bureau's score: GetCreditScore for Equifax, or ClearScore for Experian.
No. Checking your own score or report is not a credit application, lenders can't see it, and it doesn't change your score. Applying for credit is what gets recorded.
They use different scales (Equifax 0 to 1,200, Experian 0 to 1,000) and lenders don't all report to both, so each file can hold different information. Compare the bands, not the numbers: 700 is very good at Experian but only good at Equifax.
There is no single cut-off. As a guide, mainstream lenders are usually comfortable with a good band or better, which is about 661 and up at Equifax or 625 and up at Experian. Below that some lenders may decline or charge more, and lenders also weigh your income, expenses, deposit and repayment history.