Optus Mobile Review ALDI Mobile Review Amaysim Mobile Review Belong Mobile Review Circles.Life Review Vodafone Mobile Review Woolworths Mobile Review Felix Mobile Review Best iPhone Plans Best Family Mobile Plans Best Budget Smartphones Best Prepaid Plans Best SIM-Only Plans Best Plans For Kids And Teens Best Cheap Mobile Plans Telstra vs Optus Mobile Optus NBN Review Belong NBN Review Vodafone NBN Review Superloop NBN Review Aussie BB NBN Review iiNet NBN Review MyRepublic NBN Review TPG NBN Review Best NBN Satellite Plans Best NBN Alternatives Best NBN Providers Best Home Wireless Plans What is a Good NBN Speed? Test NBN Speed How to speed up your internet Optus vs Telstra Broadband ExpressVPN Review CyberGhost VPN Review NordVPN Review PureVPN Review Norton Secure VPN Review IPVanish VPN Review Windscribe VPN Review Hotspot Shield VPN Review Best cheap VPN services Best VPN for streaming Best VPNs for gaming What is a VPN? VPNs for ad-blocking Before we break down each telco’s credit check process, a bit of background. There are three main credit reporting bodies in Australia: Equifax, Experian, and Illion. Your credit score may differ slightly between providers, which is why Aussie telcos tend to consult more than one agency to get a more comprehensive overview of your credit history. Your credit score is essentially a history of every loan you’ve taken out, every application you’ve made for credit, how often you’ve paid your bills on time, and if there are any serious credit infringements against your name. You can check your credit score online for free once per year with Equifax, Experian and Illion, or you can use a credit check website like GetCreditScore, Credit Simple or Credit Savvy for free reports whenever you need them. If you are rejected by Telstra, Optus or Vodafone, or if you simply have a bad credit score, it doesn’t mean you can’t still get a new phone or plan. Most prepaid plans today offer similar value to postpaid plans, but since you’re paying for them at the start of each month, no credit check is needed. As mentioned above, even if your heart is set on a plan with Telstra, Optus or Vodafone, opting for one of their prepaid plans is a great way to get the coverage or perks you’re after without having to endure a credit check. Outside of the big three, there’s even better value to be had. Here are the most popular prepaid plans right now. That means you can sign up for any of the following plans, as long as you bring your own device. Here are the most popular Optus postpaid plans right now, all of which can be paired with a new phone or purchased as a plan only. See the below prepaid plans that use the full Optus network, and like with the Telstra MVNO prepaid plans, don’t require a credit check as they are paid upfront. Check out the most popular Vodafone plans below. All these plans can be purchased as a SIM-only deal or bundled with a new handset.
The name of any other companies that provide you with credit, the amount of credit, and the terms of repayments of that credit. Any previous requests for information from other credit providers as well as the type and amount of credit requested. Payments equal to or greater than $150 that you are at least 60 days overdue paying. Any judgements made against you in court that relate to credit received or applied for by you. Any details about you entered or recorded in the National Personal Insolvency Index, including bankruptcy, debt agreements and personal insolvency agreements. The opinion of a credit provider that you have committed a serious credit infringement.
Like the others, you can opt for an upfront prepaid plan that voids the need for a credit check. We do however know what the three main credit reporting agencies consider to be a good score and a bad score. Here’s what’s considered a good score:
Equifax: 661 or better Experian: 625 or better Illion: 500 or better
And here’s what’s considered a bad score:
Equifax: 459 or less Experian: 549 or less Illion: 299 or less
