Absolute useless company don't bother with these morons t's one after the other manager is just as useless as the workers . Just go find your own loan you'll end up with a better interest rate. They... See more
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See what reviewers are saying
This is a scam. My credit score never changes from below average. I had an issue with a telco company three years ago which was sorted out amicably and paid - a long lasting unexpected bill from a div... See more
Credit Savvy opened an account for someone posing as my wife online, somehow they had her drivers license number and address. They used a fake email address which appeared to be my wife's. And, as s... See more
You guys slaying them are stupid. They do not correct or makke any changes to your file, this is done by Experian credit savvy literally just shows you what Experian have reported. You all need to tak... See more
Company details
Written by the company
Credit Savvy helps Australians to access, understand, leverage and protect their credit reputation, all under one platform - free forever. Over 1.3 million Australians are understanding credit and achieving greater financial wellbeing with Credit Savvy. We’re working with Experian, one of Australia’s official credit reporting bodies, to securely provide you with your credit information.
Contact info
1 Locomotive Street South Eveleigh, 2015, Sydney, Australia
- contact@creditsavvy.com.au
- www.creditsavvy.com.au
2.8
Average
37 reviews
Hasn’t replied to negative reviews
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Have tried to check but not sure of my…password
Have tried to check but not sure of my password. Have tried to reset many times bit doesn't work.
4 April 2025
Unprompted review
SPAMMER - does not respect unsubscribe requests
i have this companies marketing email options set to "off"/ "do not email", yet i am still getting these, marketing email notifications asking me to create marketing material for them.
so, arsehats, heres your review.
AVOID THIS SPAM SITE LIKE THE PLAGUE
6 December 2024
Unprompted review
Although the customer service of this…
Although the customer service of this platform is somehow weak and irresponsive, overall using this card is satisfying for me after a while...
18 June 2024
Unprompted review
Easy to navigate information.
Easy to navigate informations pertaining to my needs.
12 March 2024
Unprompted review
Great credit score provider!
13 January 2024
Unprompted review
Excellent service
Excellent service, thorough and highly professional. In light of the recent cyber breaches, Credit Savvy have been a very welcome service. Highly recommend.
1 May 2023
Unprompted review
Reply from Credit Savvy
Hi Ash, thank you for your review! We're glad to know that we can help you to protect your identity in light of the recent data breaches.
Absolute useless company don't bother…
Absolute useless company don't bother with these morons t's one after the other manager is just as useless as the workers .
Just go find your own loan you'll end up with a better interest rate.
They also use latitude loans which if u google abit you'll find out the data base has been breached so if u want your private info taken ring savvy ..
23 June 2023
Unprompted review
Reply from Credit Savvy
Hi Aaron, this review is not a reflection of our business, as Credit Savvy does not provide financial advice, promise loans or interest rates, or work with Latitude Financial.
I had lost contact with creditSavvy…
I had lost contact with creditSavvy when my email address changed. I was happy with the help I received to reconnect and amend the address. This was done with excellent security systems I find the site helpful as it should alert me to any change in my credit status in the case of any identity theft given the amount of cybercrime currently happening.
27 April 2023
Unprompted review
Reply from Credit Savvy
Hi Kristin, thank you for your review. Glad to know that we helped you to access, monitor and protect your credit score.
Great company and easy to put a credit…
Great company and easy to put a credit report ban in place.
27 April 2023
Unprompted review
Reply from Credit Savvy
Hi Credit Savvy member! Thank you for your review. Glad to hear that we helped you to protect your credit score.
Credit savy logs a enquire against ur…
Credit savy logs a enquire against ur credit report everytime u open the app. This results in it looking like u have requested several loans and been refused I am happy to show any one I have 193 enquires in 5 years and majority are credit savy this has bought down my credit score not happy about this
10 March 2023
Unprompted review
Reply from Credit Savvy
Hi Alexandra, thank you for reaching out. To clarify your concern, I can explain the difference between what are called ‘hard enquiries’ and ‘soft enquiries’.
When you apply for credit, the lender will often check your credit file to assess whether or not you are credit worthy. When this happens, a hard enquiry is recorded on your file. Hard enquiries can affect your score because they indicate that you are actively seeking credit.
On the other hand, a soft enquiry is recorded on your file when someone checks your report for reasons other than you making an application for credit. For example, when you check your own credit report. Soft enquiries aren’t taken into account when calculating your credit score so you are never penalised for checking your score.
Credit Savvy is an “Access Seeker”, which is a term for someone who acts on your behalf. We’re the middle man between you and the credit reporting body (in this case, Experian). So when you use Credit Savvy to check and monitor your credit score, a soft enquiry is recorded on your credit file. Your credit score will not decrease as a result because soft enquiries have no impact on your score.
This information is in our terms and conditions, which you have agreed to while signing up to Credit Savvy.
I hope this clarifies your concern!
Am new and it is interesting indeed.
4 February 2023
Unprompted review
Reply from Credit Savvy
Hi Kalau! Thank you for your feedback.
Spot on
Have found this spot on for myself. Credit check has moved with every application and query showing the right score. Check it every email
17 January 2023
Unprompted review
Reply from Credit Savvy
Hi Mel! Thank you for your feedback - good to know that Credit Savvy has helped you to monitor your credit score.
Credit score significantly lower than…
Credit score significantly lower than what was on my experian credit report. My credit score has not changed on credit savvy for over a year and not understanding why it was so low I got a copy of my credit report from experian who credit savvy claim to use and my score was totally different and actually rated as very good.
6 January 2023
Unprompted review
Reply from Credit Savvy
Hi Nicola. I am sorry to hear this! We would like to continue assistting you for your concern. However, we are unable to collect your personal and identification details in public. So, please email us (contact@creditsavvy.com.au) so that we can discuss it further.
The Only Credit Score that Allow me to…
The Only Credit Score that Allow me to verified My ID. Coz i have only First name and no Family name. And the sistem in Australia doesn’t recognize 1 name. Have to be First and Family Name. But Credit Savvy has done it. Thank You
7 December 2022
Unprompted review
Reply from Credit Savvy
Hi Sanusi! Thank you for your feedback.
I was a CreditSavvy user prior to the…
I was a CreditSavvy user prior to the whole Optus and Medibank breach :( but as soon as I heard about the data breach, I signed into the app and placed a ban on any credit enquiries. Was so simple to use.
12 September 2022
Unprompted review
Reply from Credit Savvy
Thanks for the feedback Rachel! Glad to hear that the Credit Savvy App is helping you protect and keep up to date with your credit score.
Best credit tracking system
As someone that never really understood credit scores or how the score gets impacted, credit savvy laid it out nice and simple. I understand that they don't manage the score and is more of a dashboard/ information system but dealing with the staff they always handle your information with the highest of standards especially in these wild times. Huge thanks to the savvy team and can't recommend them enough
1 October 2022
Unprompted review
Reply from Credit Savvy
Thanks for the feedback Mathew! Glad to hear that the Credit Savvy App is helping you keep up to date with your credit score.
Not as easy as 1,2,3 Credit Savvy
Not as easy as 1,2,3 Credit Savvy. They are as useless as tits on a bull. I asked for a 21 day ban. Before the expiry of the 21 days, I asked Credit Savvy to remove the ban as a car we had died and we needed a new one. They “removed” the ban; however what Credit Savvy neglect to tell you is that you have to go to all the different credit reporting agencies - Ilion, Equifax and Experian to remove the ban with them separately. They won’t do that at all. You are on your own!
31 October 2022
Unprompted review
Reply from Credit Savvy
Hi Nathan, thank you for getting in touch. We are constantly looking to learn and grow, and want to take your feedback on board. Credit Savvy retrieves credit file information and credit scores from Experian, one of Australia’s official credit reporting bodies (CRBs). Each credit intermediary service can only partner with one CRB, hence why we could not help you to remove the ban with ilion or Equifax.
Credit score incorrect by over 300 points!
I have been monitoring my credit score with credit savvy for over 5 years and have been making financial decisions based on the high score that I allegedly had. I have just found out that my ‘excellent’ score that credit savvy says I have was actually off by over 300 points according to Equifax when I was applying for a car loan. I have subsequently dropped my credit score even lower by applying for (and being declined for) a loan that I never would have applied for had I realised my score was so incorrect. Credit savvy’s bull**** incorrect score and reporting has impacted my financial future for at least the next few years and I am absolutely appalled, disgusted and repulsed that they are still allowed to continue to operate.
28 July 2022
Unprompted review
Reply from Credit Savvy
Hi Steph, thank you for getting in touch. We are constantly looking to learn and grow, and want to take your feedback on board.
Credit Savvy retrieves credit file information and credit scores from Experian, one of Australia’s official credit reporting bodies (CRBs). There are many possibilities as to why your Experian score may differ from other CRBs. Key reasons include that each CRB may:
- Have their own algorithm and may interpret the data available in a different way; or
- Have access to different data as each CRB will have data that is unique to them and not all credit providers submit data to every CRB; or
- Use a different scale, for example, some use a score out of 1,000 while others use 1,200.
As a result, you may have different credit scores or ranges at different CRBs and this is normal.
It’s a good idea to ask the lender to provide any feedback on why you were not able to get a better loan. It’s also a good idea to request your credit reports from each of the credit reporting bodies in Australia to review the details. Once you have reviewed all of this information, you should have a better understanding of your creditworthiness and your options.
All that I get is a typo error
All that I get is a typo error
Tried on three different occasions but still the same
2 April 2021
Unprompted review
Reply from Credit Savvy
Hi Steph, thank you for getting in touch. We are constantly looking to learn and grow, and want to take your feedback on board. To assist you further, please reach out to contact@creditsavvy.com.au.
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