Credit Savvy is an online platform that provides users with access to their credit scores through the CommBank app. The service allows individuals to check their Experian credit score for free, facilitating better financial decisions and improving overall financial well-being. Users can easily navigate the app to verify their identity and obtain their credit score without needing to hold a financial product from CommBank. Targeting consumers interested in managing their credit health, Credit Savvy aims to empower users with the knowledge needed to unlock their full financial potential. Since its integration with the CommBank app, the company has gained popularity among millions, offering a convenient solution for those looking to understand and improve their credit standing.
Reviewers frequently report negative experiences with Credit Savvy, citing customer pain points more often than praise. Common complaints include credit, score, savvy, credit score.
A smaller set of reviewers mention positives such as credit, great, score, savvy. Overall sentiment is predominantly negative based on 36 reviews and an average rating of 2.5 stars.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 2.5 | 36 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Apr 2025.
| Month | Average | Reviews |
|---|---|---|
| Aug 24 | 5.0 | 1 |
| Sep 24 | 3.0 | 1 |
| Oct 24 | — | 0 |
| Nov 24 | — | 0 |
| Dec 24 | 1.0 | 1 |
| Jan 25 | — | 0 |
| Feb 25 | — | 0 |
| Mar 25 | — | 0 |
| Apr 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 36 most recent reviews.
“Easy to navigate informations pertaining to my needs”
“What a scam”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Credit.
| Company | Overall | Legit | Website & app | Service | Trend | Reviews |
|---|---|---|---|---|---|---|
| 2.5 out of 5 (poor) | 100 out of 100 | 1.9 out of 5 (poor) | 3.4 out of 5 (fair) | — | 36 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.0 out of 5 (fair) | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: Credit Savvy is #5 of 5 on overall rating in this group. On website & app, JustCover Travel Insurance scores higher (4.7 vs 1.9).
36 reviews of Credit Savvy. Filter by what matters to you.
You guys slaying them are stupid. They do not correct or makke any changes to your file, this is done by Experian credit savvy literally just shows you what Experian have reported. You all need to take up the issues with Experian not credit savvy
Credit Savvy opened an account for someone posing as my wife online, somehow they had her drivers license number and address. They used a fake email address which appeared to be my wife's. And, as simple as that, Credit Savvy send these fraudsters her official credit data from Experian. They now know who she bank with, credit cards/limits and last 4 digits, loans, etc. Really, any company that has access to this type of information should have far tighter security checks than an online application asking for a drivers license number and address. It is incredible to think that this business is owned by Commonwealth Bank.
I have been the victim of a fraud by one of the big 4 banks. I had an excellent credit score and after the fraudulent action by the bank, I was given a poor report by the bank. My credit score is now very bad.I have completed the CREDIT SAVVY correction process that also included an affidavit.The bank has not rebutted my affidavit. It has been well over a month now and my credit score has not been corrected. CREDIT SAVVY are not responding to my communications. CREDIT SAVVY sees its customers as being the banks and not individual consumers.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Polarized pattern: few middle ratings. 36% of recent reviews are 4–5★ and 61% are 1–2★.
Great credit reporting tool, completely the result is expected and consistent with other tools. No issues when you have a great credit rating 😏
Debt savvy posted an ad on Facebook. As I have submitted an inquiry one of their service manager contacted and lured me to sign in . He even contacted me several times at home . My experience at debt savvy is quite unforgettable due to instead of negotiating for a better outcome, my situation become worse due to debt savvy has failed to handle my matters with due care and skills.
Credit Savvy. What a scam. I always had a good credit record. The other day I paid of a large personal loan, way ahead of time. And what happened? My credit rating decrease to a lower rating. What the......! And the worst of all is when I want to apply for credit again it will be declined because of the poorer rating. Credit rating companies are just as bad as banks. Screw you over as much as they can just to make a couple of bucks on customers expense.
They advertise a business loan for any credit score. Then they try to sell you their credit fix line of crap. They falsely advertise. And then they slander you for calling them out on it. Quote-"Lol, it's always people like you with credit scores of 499 or below (poor) that will call things like this a scam because you get denied credit from EVERYWHERE...lol please stay off our ADS on social media. You waste our time with your silly little assumptions." Directly from their representative.
This is a scam. My credit score never changes from below average. I had an issue with a telco company three years ago which was sorted out amicably and paid - a long lasting unexpected bill from a divorce settlement whilst living overseas. Pay all my bills on time and never have trouble with telco plans, purchasing equipment on afterpay and financing 32000 for a car! This is just a shakedown to make you pay them 600 dollars or so to 'fix' your score.
I have signed up with credit savvy. Suddenly i found my credit score is way below average. I don't have any bad credit and always pay my bills on time. Even i just closed one of my overdraft facility.Score Still remains same! I also checked with Equifax and found my credit score is very good. Surely something wrong with this site.
I think this is a scam and that moneysmart.gov.au should remove them as they are neither trustworthy or reliable. When you first sign up the Activation Email takes more than an hour to arrive, then the activation PIN and link is only valid for 5 minutes. By the time you check your email, more than an hour later (since waiting 20 mins and nothing arrives). The link is expired. The same thing with the password reset email. This is a scam. Do not give them you information.
I did not give permission for these tools to rank my credit. They are parasites. Avoid them.
For some reason my credit score here is below average less than 200% which is strange as I don't have bad credit at all. I tried another site called creditsimple and my score is over 650% Something clearly wrong with this site
I had entered all my details at least 5 times on the website and yet it kept saying there is an incorrect typo. I've filled in many forms with the same details for years and I had never encounter any issues. Under 'Help'. it stated' Unfortunately, there are rare circumstances where we might not be able to verify your identity, even though you entered your details correctly'. Then what's the point?? It's the worst website ever!
Credit Savvy is an online platform that provides users with access to their credit scores through the CommBank app. The service allows individuals to check their Experian credit score for free, facilitating better financial decisions and improving overall financial well-being. Users can easily navigate the app to verify their identity and obtain their credit score without needing to hold a financial product from CommBank. Targeting consumers interested in managing their credit health, Credit Savvy aims to empower users with the knowledge needed to unlock their full financial potential. Since its integration with the CommBank app, the company has gained popularity among millions, offering a convenient solution for those looking to understand and improve their credit standing.
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