When you apply for credit, credit providers will typically check your recent bank statements to get an idea of your spending habits. In order to provide you with insight into your spending habits, we need access to the same information.

The Spending Habits feature on Tippla gives you direct insight into what credit providers look out for, and how your spending habits might be viewed. With this knowledge, you can get an indication of how likely you are to be approved for credit, and understand if there are any spending habits you should adjust in order to increase your chances of being approved.

Tippla understands the importance of privacy and security in handling a client’s financial data. We have partnered with Credfin, who employs the same level of encryption as a bank or similar financial institution for authentication, transmission and storage of your financial data.

Being a Tippla member, you have 24/7 access to your reports and scores. This means you can view it as often as you like. On Tippla, your score and information is refreshed on a quarterly 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.

Your credit report updates frequently. Each month, banks, lenders and credit provides report new information to the credit reporting agencies. Because of this, new information is added or removed from your credit report often. Generally speaking, the information in your credit report will be updated on a monthly basis.

If you want to remove the details of someone who you had a previous financial connection with, but no longer do, reach out to the respective credit reporting agency and request to have the information changed.

Welcome to Tippla! If you can’t see your credit report, it could be because you don't have a credit report or credit score.

There could be a number of reasons as to why including:

• You still live at home with your parents or guardians and you don’t have any bills in your name;
• You live out of home but your name isn’t on the utility bills;
• You’ve never taken out any form of credit - such as a credit card or loan.

Now, you can start building your credit score and unlocking its potential. See how to build a credit history from scratch here.

If you think this is a mistake you can reach out to Equifax and Experian to see why you don't have a credit report.