Highest Credit Score in Australia

Author : Sonya Arora | Published On : 24 Mar 2026

The highest credit score in Australia is 1,200 on the Equifax scale, 1,000 on both Experian and Illion scales. Australia has three credit bureaus — each uses a different scoring system. An Equifax score of 853–1,200 is rated "Excellent." An Experian or Illion score of 800–1,000 is also rated "Excellent." Most Australians never reach the absolute maximum — but getting into the Excellent band is entirely achievable and unlocks the best interest rates and approval outcomes.

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