Know what the lender will see before you apply.
We obtain your credit report, read it the way a lender does, and tell you in plain English what is helping, what is hurting, and what to do in the next three months.
Does not affect your credit score. Report and written review within 2 business days.
Not sure this is what you need? Ask us first. Leave your name and number and we will call you back, at no cost.
What you receive
- Your full credit report
- A written review, line by line
- An indication of how much you could borrow
- A three-month action list
Who this is for
Built for people with a real decision in front of them.
A bank said no and did not tell you why.
Buying or refinancing in the next 3–6 months.
Business and personal credit mixed together.
Not sure how the credit system here works.
What is in the review
A report on its own is data. The review is the judgement.
Every account, enquiry and listing, and what each one means to a lender.
The two or three items that matter most, ranked.
A general range based on your file. Not a loan offer and not a product recommendation.
Specific steps, in order, before you apply.
Two options
One-off fee. Prices include GST.
Standard
- Full credit report
- Written review
- Borrowing indication
- Three-month action list
Plus
- Everything in Standard
- 30-minute phone call with Jack to go through it
- Your questions answered on the call
Straight with you
How it works
Your details and a photo of your ID. About 3 minutes.
Card or Apple Pay through Stripe.
You receive a privacy consent email. Click to approve.
Report and written review by email within 2 business days.
Common questions
Will this affect my credit score?
No. Requesting your own report through this service does not affect your credit score.
Can I get my credit report for free?
Yes. Credit reporting bodies must give you a free copy every three months. The fee here is for the written review and borrowing indication, not for the report itself.
My home loan was declined. Will this tell me why?
It shows what a lender sees on your file and which items most likely counted against you. Lenders do not always give reasons, so the review gives the most likely explanation and what to do before applying again.
Can you remove a default or late payment from my file?
No. This is not a credit repair service and we do not ask credit bureaus or lenders to change or remove listings. The action list covers what you can do yourself.
How long does it take?
You receive the report and written review by email within 2 business days of approving the privacy consent email.
Is the fee refunded if I get a loan through you?
Yes. If you go on to settle a loan through AUFSS, the fee is credited back to you in full at settlement.
Book your check
Your ID photo is used to confirm it is you and is kept securely with your application record.
Not sure this is what you need? Ask us first. Leave your name and number and we will call you back, at no cost.
General information only. This service does not take into account your objectives, financial situation or needs and is not a recommendation of any credit product. Jack (Muyuan) Si is a Credit Representative (516785) of Buyers Choice Licencing Pty Ltd ACN 626 172 281 (Australian Credit Licence No. 509484).