# Credit Savvy - Credit Score — Discover your score and more > Free credit score and report monitoring with alerts and educational resources. (iPhone/iPad app by CBA New Digital Businesses Pty Ltd.) - Source: https://appshunter.io/ios/app/credit-savvy-credit-score/id1550872729 (this page in markdown: same URL + `.md`) - Developer: [CBA New Digital Businesses Pty Ltd](https://appshunter.io/developer/1488823189) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 12.0 · 42 MB - Languages: American English - Released: 2022-10-03 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/credit-savvy-credit-score/id1550872729/reviews.md ## What is Credit Savvy? Take control of your credit life, anytime, anywhere, for free with Credit Savvy. Join over 1 million Australians making more of their credit score today! Use all these features for free: Track your credit score & report - Get access to your credit score. We’ve partnered with Experian, one of Australia’s official credit reporting bodies to deliver your credit data. - Receive monthly score updates to help you monitor what’s happening on your credit file. Learn what’s behind your score - Uncover the important elements of your credit report so you can take action to improve it. Protect your credit reputation - Receive alerts whenever there are changes to your credit file to help you guard against identity theft and fraud. - Request to place a ban on your credit report through SavvyShield if you are worried about identity compromise. Level up your credit knowledge - Get practical resources to build your credit confidence and improve your financial wellbeing. Signing up to Credit Savvy is as simple as 1, 2, 3 1. Download the Credit Savvy app. 2. Verify your identity with a form of ID (such as your driver’s licence), so we can securely retrieve your credit data from Experian. 3. Get your credit score and credit file information, along with free credit monitoring tools and resources to help you improve your financial wellbeing. *Checking your score with us won’t hurt your score at all* How we protect your credit data - The security of your information is extremely important to us. - We use bank-level encryption and we work with industry leading experts to keep your details safe. - We respect your privacy and we’ll never share your personal information without your consent. What is a credit score? A credit score is a number that is calculated using the details on your credit file. It’s a simple representation of your creditworthiness and is dynamic – meaning it may change from month to month. A score can be between 0 and 1000 and the higher the score, the better. To make it easy, we’ve grouped the scores into 5 bands from Excellent to Below Average. Why should I check my credit score? Lenders such as banks, credit card companies, utilities and telcos can use your score to assess the risk of lending you money or extending you credit. Your score can also determine how much they will lend you as well as the interest rate. Knowing your score can help you make smarter financial decisions. Need help? You can find instant answers to common questions in our Help Centre: https://www.creditsavvy.com.au/help or you can reach out to us directly via email: contact@creditsavvy.com.au This content has been provided to you by Credit Savvy Australia, operating within CBA New Digital Businesses ABN 38 633 072 830 and Australian Credit Licence 516487. CBA New Digital Businesses is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. Credit Savvy acts as a credit intermediary and does not provide personal financial, legal or tax advice, or credit assistance of any form. You should consider your needs, along with the terms and conditions of any products mentioned in this podcast before deciding what is right for you. ## Key features - Track credit score and report - Monthly score updates - Understand score factors - Credit file change alerts - Identity theft protection - Credit report ban option - Financial wellbeing resources ## Recent user reviews (10 of 56) All indexed reviews: https://appshunter.io/ios/app/credit-savvy-credit-score/id1550872729/reviews.md ### 4/5 — Good app needs biometric login *2025-02-05, version 1.0.147* Have been using this app for awhile now to check my credit history. Overall the app is very good but I hope developers will bring in biometric login instead of using pin. Secondly why does it force logout every time it updates. Lastly why suddenly it has a two months lag in updating repayment history? My wife uses the same app and her updates are most recent. ### 1/5 — Log out .. AGAIN *2024-09-07, version 1.0.127* App keeps logging me out - can’t use pin Again 20/7 And again …. I am deleting app ### 1/5 — Useless app *2024-07-20, version 1.0.126* Downloaded this,when entering my details I keep getting told they are incorrect despite everything matching up 100%.Wasted half an hr trying to verify I am who I am and no luck.Most useless App ever ### 3/5 — Needs improvement *2024-06-20, version 1.0.126* App is good but it would be good if we could stop and start the credit ban when we need to, no 21 day period, no 12 month period, just turn on and off as required. ### 5/5 — Great free app! *2024-06-12, version 1.0.125* Love that I’m able to monitor my credit score and credit file for free. Also able to place a credit file ban across bureaus to protect my credit file. Would recommend this app! ### 5/5 — 5 stars *2024-05-29, version 1.0.125* Great app, super easy to navigate and worked as intended Highly recommend ### 5/5 — So easy *2024-05-27, version 1.0.125* Very easy to navigate and use. I never knew my rating before ### 5/5 — Smashing savings goals! *2024-05-27, version 1.0.125* I’ve been using the Credit Savvy app for a few months now, and it has significantly transformed my financial habits. As someone saving for a new house, I needed a tool to help me stay on top of my spending while also working to improve my credit score. Credit Savvy has been that tool. The app provides a clear and detailed overview of my spending habits, making me more aware of where my money is going each month. The budgeting features are intuitive and easy to use, allowing me to set spending limits and track my progress in real time. This has been instrumental in helping me cut unnecessary expenses and redirect those savings towards my house fund. Additionally, the credit score monitoring feature is fantastic. Credit Savvy not only provides my current credit score but also offers personalised tips on how to improve it. By following these recommendations, I’ve seen a noticeable uptick in my credit score, which is crucial for securing a favourable mortgage rate. Overall, Credit Savvy has been a game-changer in my financial journey. It’s user-friendly, informative, and has provided me with the tools and insights needed to make better financial decisions. I highly recommend it to anyone looking to improve their financial health and achieve their savings goals. ### 5/5 — The SavvyShield featured prevented fraud *2024-05-23, version 1.0.125* Love the Savvyshield feature where I can place a ban to protect my credit file. ### 5/5 — Love this app *2024-05-23, version 1.0.125* Great features. Needed to place ban. ## Frequently asked questions about Credit Savvy ### What does the Credit Savvy app do? The Credit Savvy app allows you to monitor your credit score and credit report for free. It provides monthly updates on your score, helps you understand the factors influencing it, and offers alerts for any changes to your credit file. The app also includes resources to improve your financial wellbeing and features to protect against identity theft. ### How do I sign up for Credit Savvy? Signing up is a simple three-step process. First, download the Credit Savvy app. Second, verify your identity using a form of identification, such as your driver's licence, to securely retrieve your credit data. Finally, you will gain access to your credit score, credit file information, and free credit monitoring tools. ### Is checking my credit score with Credit Savvy free? Yes, all features of the Credit Savvy app are completely free to use. This includes tracking your credit score and report, receiving monthly updates, understanding the elements behind your score, and accessing alerts for changes to your credit file. There are no hidden costs or subscription fees. ### How does Credit Savvy protect my credit data? The security of your information is a top priority. The app uses bank-level encryption and collaborates with industry-leading experts to ensure your details are kept safe. Your privacy is respected, and your personal information will never be shared without your explicit consent. ### What are the benefits of checking my credit score? Checking your credit score is important because lenders use it to assess the risk of lending you money or extending credit. A higher score can lead to better loan terms and interest rates. Understanding your score helps you make informed financial decisions and can improve your overall financial wellbeing. ## Version history (last 5 releases) ### 1.0.149 — 2025-03-24 We're making some changes to the services we provide and how you can access them.   From Wednesday 14 May 2025, you will no longer be able to access your credit score or manage a credit file ban via our website and app, which will close.    We will continue to provide free access to Experian credit scores via the CommBank app, where more than 2 million Australians are already choosing to check their credit health. Existing members can continue to use our website and app as normal up to 14 May 2025. ### 1.0.147 — 2024-12-19 At Credit Savvy, we're always making updates to our product and service to improve your user experience. What’s updated: • We value your feedback and have implemented minor bug fixes and performance enhancements, so you can continue using the app. Like what we are doing? Please leave a review and let us know your feedback. If you are experiencing issues, please reach out to customer service at contact@creditsavvy.com.au. ### 1.0.142 — 2024-10-08 At Credit Savvy, we're always making updates to our product and service to improve your user experience. What’s updated: • We value your feedback and have implemented minor bug fixes and performance enhancements, so you can continue using the app. Like what we are doing? Please leave a review and let us know your feedback. If you are experiencing issues, please reach out to customer service at contact@creditsavvy.com.au. ### 1.0.141 — 2024-10-03 At Credit Savvy, we're always making updates to our product and service to improve your user experience. What’s updated: • We value your feedback and have implemented minor bug fixes and performance enhancements, so you can continue using the app. Like what we are doing? Please leave a review and let us know your feedback. If you are experiencing issues, please reach out to customer service at contact@creditsavvy.com.au. ### 1.0.127 — 2024-07-22 At Credit Savvy, we're always making updates to our product and service to improve your user experience. What’s updated: • We value your feedback and have implemented minor bug fixes and performance enhancements, so you can continue using the app. Like what we are doing? Please leave a review and let us know your feedback. If you are experiencing issues, please reach out to customer service at contact@creditsavvy.com.au. ## Apps similar to Credit Savvy | App | Rating | Price | Category | | --- | --- | --- | --- | | [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,650,751) | Free | Finance | | [myFICO - Credit Score Tracking](https://appshunter.io/ios/app/myfico-credit-score-tracking/id714626557) | 4.8 (46,083) | Free | Finance | | [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (247,679) | Free | Finance | | [Credit Sesame: Grow Your Score](https://appshunter.io/ios/app/credit-sesame-grow-your-score/id476718980) | 4.8 (436,564) | Free | Finance | | [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,633,813) | Free | Finance | | [Self – Credit Builder & Cash](https://appshunter.io/ios/app/self-credit-builder-and-cash/id1364215562) | 4.9 (305,405) | Free | Finance | ## More apps by CBA New Digital Businesses Pty Ltd - [Kit - Pocket Money App & Card](https://appshunter.io/ios/app/kit-pocket-money-app-and-card/id1622758023) All apps by CBA New Digital Businesses Pty Ltd: https://appshunter.io/developer/1488823189 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*