A credit score gives you an idea of your degree of credit eligibility. Our credit bureau provider, Experian, will combine a number of factors together to help you get a clear idea of your financial health.

Pioneer Credit works in partnership with Experian, which is an entirely separate, data analytics company and credit bureau. Experian is a global information solutions company and the leading provider of credit information and analysis in the world.

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 Experian 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.

Credit score updates are available monthly through our mobile app called Pioneer Path. If you do not wish to download the application, then you are permitted to come back and access your score again through the Credit Place website whenever you like.

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 Experian to retrieve your credit score based on the most current and comprehensive data sources, consisting of more than 15.7 million active consumer credit files.

There could be many reasons why we may be unable to provide you with your Experian credit score. It may mean that you don’t have an active credit report in the Experian 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.