It's fast and free
No effect on your credit history
Access to specially tailored products
A quick credit score assessment can open up your financial horizons, putting you on the road to a better deal. Find out your credit score today and apply for credit products with confidence, knowing where you stand.
2. Website content and access
While Credit Place endeavours to take reasonable care in preparing and maintaining the information on this website, it does not warrant the accuracy, reliability, adequacy or completeness of any of the website content. You acknowledge and accept that the website content may include technical inaccuracies and typographical errors. The website content is subject to change at any time without notice and may not necessarily be up to date or accurate at the time you view it.
It is your responsibility to enquire with us directly to ensure the accuracy and currency of the material or information you seek to rely upon. To the extent permitted by law, Credit Place disclaims all liability for loss directly or indirectly arising from your use of or reliance on the website and the website content.
Credit Place does not guarantee that access to the Credit Place website will be uninterrupted or that the website is free from viruses or anything else which may damage any computer which accesses the Credit Place website or any data on such a computer.
3. Limitation of Liability
To be eligible to use our services via the website you must be either an Australian citizen or Australian permanent resident and be 18 years of age or older. By using the Credit Place website you represent and warrant that you are 18 or older and have an Australian driver’s licence, Medicare Card or Australian passport (‘Eligibility Criteria’). We may vary the Eligibility Criteria from time to time. By using the website you represent and warrant that you comply with this eligibility criteria. We may prohibit you from accessing or using the website without limitation if we believe that you do not comply with the Eligibility Criteria. This Eligibility Criteria may be varied by us at any time.
4. Limitation of Liability
To the maximum extent permitted by law Credit Place will not be liable in any way to you or anyone else for any loss, expense, liability, claim, damages (including without limitation, indirect, special or consequential loss or damage), loss of income, data, contract, tort, profit, or loss of opportunity arising out of your use or inability to use, or access, the website or any of the services or in relation to any content or information obtained through the website, whether or not this is caused by a negligent act or omission.
Credit Place does not accept liability for any acts or omissions of others, including but not limited to, product providers who provide the information and data used to compile the information featured on the website, or any rating or content posted by you or other members.
5. Intellectual Property
The materials displayed on this website, including without limitation all editorial materials, information, photographs, illustrations, artwork and other graphic materials, and names, logos and trade marks, are the property of Credit Place and are protected by copyright, trade mark and other intellectual property laws. Credit Place does not grant any licence or right in, or assign any of its intellectual property rights in the content or applications incorporated into the Credit Place website, or in the user interface of the Credit Place website.
6. Licence of our Service
You may not copy or reproduce the underlying source code or software either in full or in part, nor attempt to in any way modify, copy, reproduce, upload, post transmit, distribute, alter, reverse engineer or de-compile in any way any material from the Site including the source code or software. You are not licensed to use or install the source code or software, other than as specifically authorised by us. We reserve the right to add, remove or vary any source code or software.
7. Appointment of Access Seeker
8. Third Party websites
The Credit Place website may contain links to other websites operated, controlled or produced by third parties. Unless otherwise indicated, Credit Place does not control, endorse, sponsor or approve any such third party websites or their content nor does Credit Place provide any warranty to take any responsibility whatsoever for any aspect of those websites or their content.
9. Offer of Products
Once you have received your credit score, Credit Place, or one of its related entities or affiliates, may provide you with the opportunity to consider credit products or other products or services which may be suited to your needs. Examples of products which may be suggested for your consideration include home loans, personal loans, business loans, car loans and-/-or credit cards from a related entity or affiliate of Credit Place. Your contact information may be pre-populated in any enquiry into these products, however, your other personal information, including your credit score will remain with Credit Place and will not be provided to any other entity unless your express consent is provided.
10. No advice service
Any information we provide is of a general and information nature only. We do not provide personal financial, legal or tax advice or credit assistance of any form. Any content featured on the website is of a general and informative nature only. You must consider your own individual financial circumstances before acting upon any of the information featured on the website. We encourage you to seek independent advice when considering applying for any product or service featured on the website.
11. Dealing with Equifax
You will deal with Equifax directly in relation to the credit score. Credit Place does not assist with your application for the credit score and the credit-related information you obtain does not guarantee acceptance or eligibility for any other product or service.
12. Dealing directly with related parties
You will deal with Credit Place’s related party if you are offered products under 9. above. Credit Place does not assist with your application for any product or service and the credit-related information we provide you does not guarantee acceptance or eligibility for any product or service.
13. Credit Score
Your credit score is calculated and produced by Equifax. Credit Place’s service does not reflect or capture any data contained in any other credit reporting body. Be aware that your credit score calculated and produced by Equifax may differ from an individual credit score which another credit reporting bureau may calculate and produce for you.
14. Monitoring of Site Content
You acknowledge and agree that we have the right to monitor the Site and/or Site Content and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site, or to protect itself or other users of the Site. We have no obligation to monitor content on the Site or to protect users of the Site.
We may monitor communications via the Site and may withdraw any communication services or facilities at any time. We reserve the right to restrict any activities on the Site that we deem to be in breach of this legal notice or any other Credit Place agreement or policy.
15. Termination, cancellation and suspension of use
We also have the right to vary, discontinue or cease offering any aspect of the Service without any prior notice to you and we have no liability for any costs, losses or damages of any kind arising as a consequence of such termination.
16. Governing Law and Jurisdiction
Pioneer Credit Ltd (Pioneer Credit, we or us) and all related entities within the Pioneer Credit Group, are committed to maintaining the confidentiality, security and integrity of your personal information held by us.
Personal information is information or an opinion whether true or not, and whether recorded in a material form or not, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.
We will only collect your personal information where it is reasonably necessary in connection with the services we are providing you. The types of personal information we collect include:
Where reasonable and practicable, Pioneer Credit will collect your personal information from you. If we are unable to collect personal information from you, other sources which Pioneer Credit collects your personal information from include:
Any unsolicited information we receive about you will be destroyed or de-identified unless it is information we could have collected in the manner described above.
Where practical and reasonable we will obtain your explicit consent before collecting sensitive information.
Pioneer Credit uses your personal information for the following purposes:
We will generally not use or disclose your personal information for any other purpose without your consent, but may do so where:
We may collect statistical information regarding the use of any of the websites owned by the Pioneer Credit Group such as:
The Pioneer Credit Group and any of its wholly owned entities may use of remarketing services (or similar audience-targeted feature) in any of its websites for the purpose of:
Turning off ‘cookies’ on your web browser may disable some remarketing functions.
In addition, we may also use interest based advertising to encourage traffic to any of the Pioneer Credit Group’s websites.
In the course of our business, Pioneer Credit may disclose your personal information to outsourced service providers, which in some cases may be overseas, such as our overseas operations in the Philippines.
Pioneer Credit may also disclose your personal information to:
Pioneer Credit uses the credit reporting services provided by Equfiax Advantage, Experian and Dun & Bradstreet. Equfiax, Experian and Dun & Bradstreet may include this information in reports to assist in assessments of credit worthiness. Equfiaxe, Experian and Dun & Bradstreet may use the information each of them holds about you for pre-screening for direct marketing. Please refer to Equfiax, Experian and Dun & Bradstreet’s separate credit reporting policies for details on their management of credit reporting information. A copy of these policies can be obtained at each credit reporting bodies’ website (listed below) or by visiting the websites and obtaining instructions for requesting via post (required forms and supporting documents are explained on each website)
Equfiax – Public Access
Request credit file online at www.equfiax.com.au/understanding-your-credit-file
Request credit file by post
Equfiax Information Services & Solutions
PO Box 964
NORTH SYDNEY NSW 2059
Dun & Bradstreet
Request credit file online at www.checkyourcredit.com.au/
Request credit file by post
D&B Public Access Centre
PO Box 7405
St Kilda Road
MELBOURNE VIC 3004
Request credit file online at www.experian.com.au/credit-services/credit-reports/order- credit-report.html
Request credit file by post
Experian Australia Credit Services Pty Ltd
Consumer Support Team
GPO Box 1969
North Sydney NSW 2060
In respect of our dealings with credit reporting bodies it is important to note that:
Yes. Pioneer Credit maintains the security of your personal information by implementing up-to-date security control systems to prevent:
The personal information collected will be retained by Pioneer Credit for the duration permitted or required under law. If specific personal information is no longer needed, Pioneer Credit will take steps to destroy the information or ensure the information is de- identified.
A credit score gives you an idea of your degree of credit eligibility . Our credit bureau provider Equifax will combine a number of factors together to help you get a really clear idea of where you stand, and whether you may have extra bargaining power for a better rate on your loan.
Pioneer Credit works in partnership with Equifax, which is an entirely separate, data analytics company and credit bureau. Equifax is a global information solutions company and the leading provider of credit information and analysis in Australia and New Zealand.
Being able to demonstrate a strong credit score is a great way of knowing whether you can get a better deal on your loan, that is if your score suggests you’re unlikely to encounter financial difficulty.
No. Your credit score is simply an indication of how much you can negotiate your borrowing rates. It is not shared with any other financial institutions and will not influence your credit history.
Your credit score is calculated using Equifax credit information and is then passed back to you via Credit Place. We don’t sell your information to any third parties. We may, with your consent, use your contact information to let you know information about other products which may interest you. You can opt out of receiving this information at any time.
There are a number of variables which affect your score. If you’re concerned about your score, please feel free to contact us regarding this.
You can check your credit score once every 6 months with Credit Place. We will send you an email when you can check your score again and see how you have progressed.
The various lenders and credit reporting bodies have different scores based on their own information and calculations. A score that is based on minimal data can result in you having an incorrect credit decision being made. Credit Place uses Equifax to retrieve your credit score based on the most current and comprehensive data sources, consisting of more than 16 million active consumer credit files.
There could be many reasons why we may be unable to provide you with your Equifax Score. It may mean that you don't have an active credit report in the Equifax database or potentially that you have insufficient information on your credit report
If you don't have a driver's licence, Credit Place will not be able to provide you with your credit score as we are unable to confirm your identification. Please call us on 1300 015 133 instead.
If your credit score is below average, you're in the bottom 20% when compared to Equifax's clients. This suggests it is considerably more likely than average that you will incur an adverse event such as a default, bankruptcy or court judgment in the next 12 months. Don’t panic. Sometimes simple changes can make the world of difference. Give us a call to see if there’s a way we can help improve your score and get you on the path to better finance.
If your score is between 510 to 621, your results are around average. Your Equifax suggests it is likely that you may incur an adverse event such as a default, bankruptcy or court judgment in the next 12 months. We are here to help and with a bit of sound advice we can assist you to avoid these pitfalls.
Your odds of keeping a clean credit report over this period are better than Equifax's average credit-active population. Your EquifaxScore suggests it's less likely you will incur an adverse event that could harm your credit report in the next 12 months.
Your Equifax suggests it's not likely that you will incur an adverse event in the next 12 months that could harm your credit score. Well done. Your odds of keeping a clean credit report are twice Equifax's average.
Congratulations! Your score is in the top 20% compared to Equifax’s current customers, suggesting it’s highly unlikely an adverse event can harm your credit report in the next 12 months. Your odds of keeping a clean file are 5 times better than Equifax’s average.