See your financial health at a glance. TaleFin’s real-time score combines bank feeds, spending patterns and predictive models to give you the clearest picture of your credit-worthiness.
A number between 0 to 1000 of your borrowing and repayment habits.
The TaleFin Score considers:
Income - A steady income stream boosts creditworthiness.
Disposable Income - How well regular income covers regular expenses.
Productive Spend - Are spending patterns constructive and value-generating (e.g., education, home renovation)?
Adverse Spend - Do spending patterns show risky behaviours (e.g., heavy drinking, gambling)?
Reliable Payment History - How reliably past payments were made. Recent behaviour is more important.
Missed Payments - How often past payments were missed. Recent behaviour is more important.
Loan Amount and Type - The type and number of open and recent credit products
Cash Spend - High cash spending affects creditworthiness.
Government Reliance - Heavy reliance on government support affects creditworthiness.
What TaleFin does not consider to determine creditworthiness:
We do not use credit applications (or credit bureau enquiries)
We do not include your postcode
We do not consider gender, ethnicity or religion
A
900+
Rock Solid
You’re in great shape . Your habits show strength and consistency
B
700 - 899
On Track
You’re doing really well. Your financial behaviour reflects responsibility and care
C
600 - 699
Building Momentum
You’re making good progress. Your habits are improving and trending positively.
D
400 - 599
Turning the Corner
Some positive signs, some areas to keep working on. You’re heading in the right direction
E
200 - 399
Rebuilding Starts Here
Things may feel tough right now, but every step forward counts.
F
0 - 199
Finding a Way
Everyone faces challenges. This is a moment to regroup. Help is available *.
Better products: Higher scores can help you climb the latter to better credit products.
Better rates: Higher scores can unlock lower interest.
Faster approvals: Lenders see you as lower risk.
Fairness and Transparency: Shopping around for the best deals or your postcode won’t hurt your score.
First-timers welcome: No credit bureau history? We’ve still got you, we still provide useful insights into your spending habits by evaluating your financial data.
Always up to date: Your score changes with you. We combine both real-time and historical data to produce a more reliable score.
Behaviour based: Know exactly what helps (and hurts) your score.
Holistic view: We combine bank feeds, bills and more.
Ask your credit provider or third-party access service for a free copy of TaleFin score today. Our updated consumer platform is coming soon—so you’ll be able to check your score anytime, free of charge.
If you're feeling overwhelmed or just want to better understand your options, there are trusted resources available to support you:
MoneySmart - https://moneysmart.gov.au/
Free tools and guidance from the Australian Government to help you manage your money, reduce debt, and plan for the future.
Department of Social Services (DSS) - https://www.dss.gov.au/
Find information on financial assistance, emergency relief, and community support services available across Australia.
National Debt Helpline - https://www.financialcounsellingaustralia.org.au/
Free, confidential financial counselling to help you manage debt and get back on track .
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