Tippla enables you to monitor and track your credit score all through one convenient, online portal. We compare your credit scores from two of the three national credit reporting agencies, Equifax and Experian, to deliver smart insights into your credit. We also provide a range of handy tools to help you reach your financial goals - whether that’s buying a home or starting a business.
For just $4.95 a month, stay on top of your credit score with Tippla, available right in your pocket!
Anyone who’s over the age of 18 can use Tippla. If you’re not sure if you even have a credit score, no biggie, chances are you do. Majority of adults have a credit history as a result of credit cards, utility accounts, and other debts. If you don’t have any information in your report, agencies will still assign you a score it’s just likely to be negative. So, Tippla can actually help you build good credit from the ground up.
We see a commission from a lender where your financial profile is suitable to their criteria. This includes products such as a loan or credit card.
Straight from the source. Tippla pulls all of its information about your credit directly from Experian and Equifax. When you create an account with Tippla, you are authorising us to access your credit report. Equifax and Experian originate credit reports that include personal information about you - but not limited to financial accounts you have with different creditors. These are known as credit files.
With your consent, we will share your information with Experian and Equifax (upon activation of your account) and obtain your credit scores from them.
Credit reporting agencies have different methods for calculating credit scores and the rankings differ slightly between them as a result. Being able to compare data between agencies enables us to give you a better idea of your financial status and where you stand with credit. Information is power!
Not at all! Tippla’s credit checks are classified as soft enquiries, meaning they will have no effect on your credit score whatsoever. So, don’t stress!
Why do credit checks lower your credit score? Read more here.
If you are unhappy with the service being received from Tippla, you can register a complaint with our friendly online customer support service. Our interactive team is on hand 24/7 to answer any queries you throw our way. Alternatively, if you don’t have time to stop and chat, you can email us: firstname.lastname@example.org.
It’s important you provide as much detail related to your complaint as possible. Our support team will be with you in less than 24 hours. Time is money and we promise not to keep you waiting.
Unfortunately, you can’t get a loan with Tippla right now. We will offer this feature down the track. For now, Tippla is your tool to get credit savvy. Ready to go to credit school again? Tippla teaches you what your credit scores mean and how to improve them.
Tippla is a paid service. We offer a free 7-day trial, afterwards, you can take charge of your credit score for the price of a coffee ($4,95 per month)! If you want to know more about what’s included in your membership, click here.
Tippla is more than just a credit check service. We partner with Experian and Equifax to give you unprecedented insights into your credit score. Track and monitor your credit health, boost your knowledge at our Credit School and receive the latest news tailored to your financial goals. Whatever your ambitions, your future self will thank you.
A subscription to Tippla costs just $4.95 a month. That’s right, you can gain smart insights into your credit score for the same price as a cup of coffee.
Everyone’s journey to financial well-being is different. Sign up for just a month, five, or however long you’d like - the choice is yours!
Nope! What you see is what you get with us. The only cost you’ll have to pay is your monthly $4.95 subscription fee.
We accept credit card (visa or mastercard) payments through our encrypted payment gateway.
To update your credit card information, head to the Plan and Billing Options tab found in the menu bar.
You can update your personal details at any time, via the Personal Information tab found in the menu bar.
You will be billed instantly upon your initial sign up, after that we’ll debit your card in monthly increments from that day onwards.
Really easy. Simply log into your Tippla account and click the ‘My Account’ tab from the navigation bar. In Personal Details you’ll see information regarding your login details. Just click the ‘Change’ and you’ll be prompted to enter your current password and what you’d like to change it to. Unfortunately, once you’ve set your username, we can’t change it. This is a key security measure we use to identify you.
To get a reminder for your username or to rest your password, you opt for ‘Forgotten’ under the login tab at the top right of the screen. You’ll then be prompted for your email address and if you can’t remember your username, we will ask for your security question when you registered your account with us.
Having trouble signing up? It could be any number of reasons. Try again after a few minutes and if you’re still struggling, contact us and we'll have a look at what the problem might be.
To change your email address, you need to login to your Tippla account and click the ‘My Account’ tab from the navigation bar. In the ‘Personal Details’ section you’ll see details related to your email address. You can then change it to a new email address of your choice.
To change your address, you need to login to your Tippla account and click the ‘My Account’ tab from the navigation bar. In the ‘Personal Details’ section you’ll see details related to your home address. You can then update your address in a jiffy.
Should you wish to cancel your subscription with Tippla, you can deactivate your account at any point through the ‘Plan and Billing Options’ tab found in the menu. Alternatively, you can email email@example.com and we’ll administer the request.
If you are having trouble to sign up and create a password, one possible reason is that your password doesn't meet the criteria. Please make sure that your password
If you are still struggling, please send us a message with more details about your problem.
You can start your Tippla membership with a free 7-day trial. But we think you will love Tippla as much as we do and hope you will stick around. That’s why we ask you for your bank details.
Your credit score contains sensitive information. That’s why we need to verify it’s really you. During the verification process, you need to provide two (2) out of the following documents to prove your identity:
If for some reason your automatic verification can’t give you a green light, we will ask you to send the required documents directly to firstname.lastname@example.org. In this case, we will ask you to provide a few more documents for security reasons:
Being a Tippla member, you have 24/7 access to your reports and scores, so can view it as often as you like. Your score and information is refreshed on a monthly basis, so we highly recommend you check it as often as possible.
Whenever there is a change to your score or report, we will notify you automatically. You can check back anytime for updates using our super-easy-to-read dashboard
Each Credit Referencing Agency (CRA) has a unique way of calculating and displaying your score. They do this by compiling algorithmic data sets from numerous affiliated sources, so there’s no way to directly compare them. This is why Tippla is a little different, we help our members compare their scores in one place, so you don’t waste time going elsewhere.
Tippla will never alter or lower your score in anyway. This is a big no-no and would really upset the bureaus as well as our members. It’s of the utmost importance we display the information from Equifax and Experian accurately.
All the financially related information Equifax and Experian holds can be viewed in our membership portal. The credit bureaus only hold information pertaining to credit, so won’t have access to any sensitive government files, such as a criminal record etc.
Tippla retrieves credit data from the two leading agencies in AU. Experian and Equifax are also the largest globally, so they know a thing or two about credit. Bureaus receive information from all the high street banks, credit unions and credit card companies. This means the data Tippla retains is more comprehensive as it’s multi-bureau. These agencies also receive information from local authorities and the largest lenders must also share their information with all three major agencies.
The credit scores available through Tippla come from the two major bureaus in Australia - Equifax and Experian. Equifax score is out of 1200, with Experian out of 1000.
Your scores reflect your borrowing history and the probability of you making repayments should you seek to borrow again. If you have a high score, lenders will view you as a lower risk applicant, and as a result, you will likely have a greater chance of being approved for credit.
It’s also important to know lenders won’t solely make a decision off your credit score. They consider a number of factors around creditworthiness and review other recent financial data sets such as 90 days of bank statements. This means that a high score doesn’t always mean you’ll be approved for credit if your income to debt ratio is high.
Credit reporting agencies consider a bunch of different factors when calculating your score so there are many reasons why it could be changing regularly. Some of the most common explanations include:
If you think something has been incorrectly added to your report (or removed), get in touch with the relevant credit reporting agency. They’ll be able to help you sort it out.
All the time! New information is constantly added and removed from your credit report, so your score technically could change every time you check it. Generally, though, the information in your credit report will be updated on a monthly basis.
A record shows if you have a spouse or a person who is financially tied to you. For example, if you own a credit card with an additional cardholder on the account. Any affiliations will be detailed on the ‘Financial Connections’ section of your Tippla credit report.
Should you want to remove yourself from an old flame or somebody where you’ve had a previous financial connection, simply go through our interface via the ‘Other Names’ section of your report. Here you can raise a dispute directly with the bureau who will notify the lender to review and update their records accordingly.
Welcome to Tippla! If you can’t see your credit report, your account is potentially not verified yet. Your credit report is very sensitive data, therefore, we need to know it’s really you. You can verify your identity by following the prompts in your accounts. We will ask you to submit two (2) documents from this list:
Alternatively, you can also follow our prompts for manual verification. We will need proof of address (including your name and address), a selfie with a number we provide and points of ID.
First, don’t panic! If you find an error on your credit report, it’s generally an easy fix. If you’d like to dispute some information or you think there is something wrong with your report, there are simple steps you can take to get these corrected with either Equifax or Experian.
Remember - it’s all in the details. Any false or incorrect information impacts your score, which can contribute to whether or not you might be accepted for credit in the future.
Equifax offers a free service investigating the accuracy of information on your Equifax credit report that is in dispute or you think needs correcting. There are two ways to contact them; online or via post.
The Equifax corrections portal can be found here: https://veda.credagility.com/welcome. When submitting your corrections request, you will be asked to provide certain details about the information you are requesting to be updated. Some examples may include specific dates, account numbers etc. This will help support a basis for the dispute being queried.
Corrections by mail, send your request to:
Equifax - Public Access
Equifax Australia Information Services and Solutions Pty Ltd
GPO Box 964
North Sydney NSW 2059
The following identification details will be needed:
You will also need to provide details of the correction, such as:
You can submit a request via email here: email@example.com Experian will then contact the credit provider on your behalf. A resolution may take up to 30 days from the date all the data regarding the dispute is received. Some key details below for what’s needed to request a correction within your Experian report:
Corrections by mail, send your request to:
Equifax - Public Access
Equifax Australia Information Services and Solutions Pty Ltd
GPO Box 964
North Sydney NSW 2059
If either Equifax or Experian updates your credit information in response to your dispute, we’ll show this updated information on your next refreshed report. Note that it could take up to 7-8 weeks for the corrected information to be updated in your Tippla credit report.
It is important to note that any issues/complaints you have about the data from Equifax and Experian in your report must go through the bureaus directly. This is because they provide us with your data. We never alter information we receive on you from either bureau and cannot make any changes to your credit file directly. We do however provide heaps of bite sized tips on what to lookout for and our awesome online customer support team are always on hand to help.
A key member benefit with Tippla is having the ability to understand the likelihood of being accepted for a loan or credit card before they apply. This avoids any time wasted applying for a product that doesn’t meet the desired criteria. Within the tailored offers section of the website, you’ll see a score related to each credit product with a score out of 100. This is a key indicator to understand how likely you are to be accepted based on your personal circumstances.
A lower score means you would be unlikely to have your application approved. Please remember that even with a high score, there’s no guarantee of acceptance, as this is at the sole discretion of the lender.
Absolutely not. Information from your credit report is used together with the other information you give us to determine the probability rating for each offer. You will be able to see a record of the search on your file, but it will not affect your credit rating.
It happens. Remember lenders use alternative data sets to review your application as well as traditional credit data. Therefore, a high score doesn’t guarantee acceptance, as this is at the sole discretion of the lender.
All of the data we collect from you is stored in the best security systems on the market and heavily encrypted. We know security is important to you and we take your privacy very seriously. So, we’re super vigilant about security and authentication.
We care about your privacy. By verifying your identity, we can prove you are who you say you are and ensure only you have access to your sensitive information. You will only be asked to verify your identity once, when you sign up with Tippla. After that, you’re all set!.
You will be asked to verify your identity when you first sign up with Tippla. We will accept your driver’s licence, passport and/or medicare card as suitable forms of ID. You will need to provide at least two of these three ID documents when completing our sign-up form.
If you run into problems with the verification process, don’t hesitate to contact our team directly.
A credit score is a summary of your credit risk, typically represented as a single three or four-digit number. While it’s not the only factor that a lender will take into consideration when determining whether to offer you finance, it’s often the defining one. That’s why it’s important to keep your score healthy!
Both essentially offer up the same information, just in different forms. A credit report is a full overview of your finances, displaying any information relevant to your ability to manage debt and credit. A credit score represents all of this information within a single number, valued between 0 and 1200.
Your credit scores are categorised into sections that relate on the top end of the spectrum ‘Excellent’, or towards the bottom of the scale ‘Below Average’. The ratings provide an easy barometer to how lenders may view the information when applying for credit. As a general rule of thumb, the higher your credit rating, the lower your risk and the more likely you are to having your application approved - sweet!
Remember, no single rating guarantees that you will be accepted for any product you apply for, nor is a lower one indicative you’ll be rejected. Each lender has different criteria and rules that relate to making a decision. Some example combinations that could help them make a decision include:
You are likely to have difficulty obtaining credit and creditors could frequently turn you down. If you do get accepted, you’ll likely face higher interest rates or fees. It’s likely to be considered a poor score by most credit providers.
This banding indicates you could frequently be rejected when applying for credit. When credit comes calling, you might experience you can’t get the best deals on offer. Interest rates will likely be leaning on the higher than normal side.
23% of Aussies sit within this bracket and can often expect to be accepted for credit. You might also have the option to choose between different credit providers.
This score places you in the second highest percentile of the active credit population - (61- 80%). The likelihood is over the last 12 months there has been one or more adverse marks on your credit file.
A rating within the top banding indicates that you are more than likely to be accepted when applying for credit, and in a good position to take advantage of the better deals in the market offering the lowest interest rates.
You can read more about building good credithere.
There are few simple checks you can carry out to increase your score fairly easily:
This could be a parent company on your reports that operates a subsidiary or an affiliate of theirs who you might have authorised to run a credit check on you. For example global a telecoms operator such as Vodafone Group operates as Vodafone AU locally, although a check on your report could be listed as either.
Always contact the company directly for further details. If the company agrees to remove the enquiry, they’ll let the bureau know and the credit file will be updated. It’s worth knowing a timeframe since a search can remain on your file for up to 5 years.
Yes you can. Within your credit report from Tippla you can view any company who’s searched your Equifax and Experian credit file in the past 24 months. These are listed in the ‘Search History’ of your report. Only searches by third parties will appear on your file, meaning any self-made request won’t be seen to prospective lenders
You are the only person to give permission for a credit enquiry to be made on your file. This will typically be carried out as part of the application process when seeking credit.
This really can depend on the type of data. Personal information such as name, date of birth, gender, drivers licence and address history is always present and remains for the lifespan of your credit file. For other information on your credit report, here are some of the typical time frames:
They look into past credit activities along with other information you have provided in your application. By looking into these searches, potential lenders can identify patterns or unusual activity that shows financial difficulties. They can also help lenders to prevent fraud.
Being refused credit can be frustrating and confusing. To help you understand why this has happened, you can follow up with the lender directly to explain their decision. They should then explain whether their decision resulted from information held on your credit report, as a result of credit scoring, or because of something else.
Lenders base their decisions on different factors, such as your most recent bank statements showing a higher debt to income ratio. Lenders have different criteria, so if one lender turns you down, it doesn't mean they all will. Although, don’t forget, every time you apply for credit, it’s recorded on your credit report and some lenders see a large number of applications as a reason to turn you down.
Your report will never show if a company has made a credit enquiry. It will also never highlight whether you were accepted or rejected.
Yes, these are the two largest bureaus in Australia. It’s very common for lenders to use more than one bureau to profile applicants. That’s why it’s super important to check the information you see with Tippla is correct before applying for credit.