Welcome to better credit for life.

Because being smart about credit scoring might change your world.

What is a credit score?

It's a magic number that uses a lot of information like credit applications, credit cards and bill payments to give you a score. It's pretty important, as lenders use your score to decide if they give you a loan and what interest rates they'll charge. So it's a good number to know and nurture.

What does a credit score look like?

Credit scores are ranked between 0-1000, which is called the ‘credit score range'. Typically, people start around 300 and soar into the 700s to 800s - going from poor, fair, good, very good and excellent. 

Poor may mean you don’t have much credit history to go on, you’ve defaulted on payments, or you’ve made too many credit applications. It takes time to build a good score, but luckily, you can do heaps to start making positive scoring actions today. 

However, if you find yourself in the fair category, it means you’re a good candidate for loans from banks or other lenders, usually at reasonable interest rates. You can be pretty sure of getting things like mortgages one here - providing you also have money for a deposit, of course!

And if you’re good and above, lenders will likely seek you out! This is because you’ve proven you’re great with repayments and handling your existing loans.

Try it out

Tap the tabs to find out what makes scores good or bad.
  1. Looking awesome!
  2. Needs some work
A credit score above 600-700 shows you’re on top of your finances and are working towards better credit options.
Plan the next stages of your financial journey with tips, blogs and updates on yo-map.
Select a goal to work towards as you improve your score.
Check out the tip of the day for amusing quirks on finance and savings.

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