Help & support
Credit Score Hub, powered by Credit Savvy, gives you access to your credit score and other credit-related information held by credit reporting body, Experian Australia Credit Services Pty Ltd ABN 12 150 305 838 (Experian).
By using this service, you agree to be bound by these Terms and Conditions. If you don’t accept these Terms and Conditions, please don’t use this service.
You must be 18 years of age or older and a CommBank customer to use this service.
Credit reporting bodies (like Experian) collect and exchange your credit information with credit providers and other service providers such as phone companies. They may use this information to assess your applications for credit, verify your identity and manage your accounts held with them. It is important you know what is in your credit file and that it is correct.
The Privacy Act (Cth) 1988 permits an individual to appoint another entity (known as an ‘access seeker’) to assist them to access their credit information held with a credit reporting body.
This service enables you to appoint CommBank subsidiary, Credit Savvy, as your access seeker to assist you to obtain access to your Experian credit score and other credit information held by Experian about you, and have this delivered to you in the Credit Score Hub (within NetBank or CommBank app) for your ease and convenience.
By using this service:
To request a copy of your free Experian credit report, contact them directly at www.experian.com.au.
Your credit information may include:
Your credit score is calculated and produced by Experian.
This service does not reflect or capture any data held by any other credit reporting body. Your Experian credit score may be different from a credit score obtained elsewhere. Your Credit Score and other credit-related information about you may be presented in a different way if it is requested directly from Experian, however in this case the information is based upon a subset of the same underlying data.
Fees and charges
You will not be charged any fees by Credit Savvy or CommBank for using the Credit Score Hub. However, CommBank pays fees to Experian for providing this service.
Accuracy and availability
Credit Savvy receives your credit information from Experian and relies on Experian to provide it with accurate and up-to-date credit information about you. Credit Savvy will make every reasonable effort to ensure this information remains accurate and up-to-date and will correct any errors or omissions as soon as practicable after being notified of them. You acknowledge despite Credit Savvy’s best efforts, the information you access through this service may not always be accurate, complete or up-to-date. Neither Credit Savvy nor CommBank will be liable for any incorrect or incomplete information provided by Experian, as displayed in the Credit Score Hub, or for any loss, cost or expense that you may suffer by relying upon the accuracy or completeness of any information provided through this service, except to the extent that CommBank or Credit Savvy, or their employees or agents, have caused or contributed to the relevant loss through their negligence, fraud or wilful misconduct.
You acknowledge that temporary interruptions to the service may occur from time to time. Neither Credit Savvy nor CommBank will be liable for any loss, cost or expense that you may suffer as a result of not being able to use or access the service in a timely manner or at all, except to the extent caused by the negligence, fraud or wilful misconduct of Credit Savvy, CommBank or their respective employees or agents.
If you believe information contained in your credit file, Credit Report Summary or any other credit-related information is incorrect, please contact your credit provider and/or the credit reporting body to have the mistake investigated and corrected.
You may withdraw your consent at any time. This will cancel your access to this service.
Termination, cancellation and suspension of use
CommBank may terminate, suspend or otherwise limit your access or use of the Credit Score Hub without prior notice to you, if we reasonably believe that you are misusing this service, engaging in fraudulent or unlawful behaviour or breaching these Terms and Conditions in a manner which materially increases our risks in relation to this service. Where we take such action, we will notify you as soon as possible afterwards.
CommBank may also vary, discontinue or cease offering any aspect of this service at any time. Where we do so, we will always try to give you advance notice. However this may not always be possible. For example, where we need to vary or discontinue the service to address an immediate risk of harm. We will not be liable to you for any costs, losses or damages you may suffer as a consequence of any decision by us, acting reasonably, to vary, discontinue or cease any aspect of this service.
To the maximum extent permitted by law, you indemnify and agree to keep CommBank and Credit Savvy indemnified against any loss or claim arising out of, or in connection with:
This indemnity will not apply to the extent CommBank or Credit Savvy caused or contributed to the relevant loss through their own negligence, fraud or wilful misconduct, or that of their respective employees or agents.
CommBank reserves the right to change these Terms and Conditions, and make changes to the content and layout of NetBank or the CommBank app at any time. We will always act reasonably when exercising these rights and only make changes we consider reasonably necessary. Any modifications will be effective immediately. We accept no liability for any costs, losses or damages of any kind arising as a consequence of any such change, except to the extent CommBank, Credit Savvy or any of their respective employees or agents have been negligent, fraudulent or exhibited wilful misconduct.
Any subsequent use by you of this service will constitute an acceptance by you of any varied or modified Terms and Conditions. We encourage you to periodically review these Credit Score Terms and Conditions to become aware of any changes that may have occurred. If CommBank makes a change that you are not happy with, you can discontinue your use of this service at any time and as a result these Terms and Conditions will no longer apply to you.
1 Credit Savvy is a trademark of CBA New Digital Businesses Pty Ltd, ABN 38 633 072 830 and Australian Credit Licence 516487. CBA New Digital Businesses Pty Ltd is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124.
The information on this page is intended to provide general information in summary form for educational purposes. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice.