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We all want more out of life, and with a great credit score you may have more options than you think.


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Don’t pay to find your score, get yours here for free! Find out more about how it works and how to improve it with easy to understand insights.


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See how financial institutions such as banks and credit providers view you and get a better understanding of your financial situation. Get instant insights such as your payment history and any black marks.


Get help with tips & tricks

Knowing your score is one thing, but the real trick is knowing how to improve it! It's important to regularly check to find out if there have been any key changes to your credit file.


Identity thefts & mistakes

Checking in regularly could help you spot irregularities or incorrect information. If you notice something that doesn't seem right, we can help you take the next step in reporting issues.

Resource Centre

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5 ways to build your credit score

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Frequently Asked Questions

The SocietyOne Credit Score Club is a place for you to grow your financial literacy. By clicking ‘Get My Score’, you will have access to your credit score, as well as exclusive tips and content to help improve your credit score and help you make better financial decisions.

Joining the credit score club is FREE for anyone. Just click ‘Get My Score’.

A credit score is a number that represents your credit worthiness as a borrower. Your credit score (also known as a credit rating) is determined by a number of different factors such as your borrowing and repayment history, as well as the frequency of your credit applications. The better your credit history is, the higher your credit score will be. Having a high credit score lets lenders know that you make repayments on time and you can manage your credit well.

A credit report is a full report of the data stored in your credit file at one of the credit bureaus (e.g. Experian or Equifax). Although the information in your credit file is generally the same at each credit bureau, each of them organises the data differently and formats its credit report in their own way. Everyone is entitled to one free credit report each year, after which they cost money to obtain and can take weeks to receive. You need to request these directly from the bureau.

Your credit score is calculated by a credit bureau, using an algorithm that looks at the information from your credit file such as accounts open, defaults, missed payments and even bankruptcies. Your credit score will range from 1000 to 1,200 depending on the bureau but generally a higher credit score suggests you are less risky. If you have a low credit score, it can make it difficult to obtain a loan or credit.

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