Credit Score
6 articlesWhat Equifax scores mean, how bands work, and what moves the number.
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How Credit Scores Work in Australia (and the Credit Bureaus Explained)
A plain-English guide to how credit scores work in Australia — the Equifax 0–1,200 scale, the three credit bureaus, and what actually moves your number.
Credit Score
Credit File Explained: What Lenders Actually See in Australia
Your credit file is the document lenders read when you apply for a personal loan. It is held by Equifax (Australia's primary credit reporting body) and contains your credit history — every application
Credit Score
Equifax Credit Score Australia Explained
Your Equifax credit score is the number Australian lenders use when they assess a personal loan application. It runs from 0 to 1,200 — not 0 to 850 like the American scale you may have seen referenced
Credit Score
Equifax Score 600 — Personal Loan Options in Australia
An Equifax score of 600 puts your application in the Possible — lender dependent band. You are above the 500 threshold that triggers Unlikely — needs improvement, and below the 650 threshold t
Credit Score
How to Improve Your Credit Score for a Personal Loan
If you have been declined for a personal loan and you are looking at what to fix before you apply again — this is the guide for that. The important thing to understand upfront is that your Equifax cre
Credit Score
What Is a Good Equifax Credit Score in Australia?
For a personal loan in Australia, the threshold most lenders use is 650. A score of 650 or above means your credit score passes the first check and lenders will assess the rest of your application
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This is general information only and not financial advice. Results are indicative and may vary by lender.