Free Resources

At Perfect Score, we believe that self-managing your finances starts with having the right knowledge and access to reliable resources. There are various free services in Australia to assist you with managing debt, your credit file, and budgeting.

We have gathered a selection of reliable, Australian-based services and tools to assist you.

Debt Management Resources

National Debt Helpline

🔗 ndh.org.au
Offers free financial counselling to help you manage your debt.

MoneySmart

🔗 moneysmart.gov.au
Provides budgeting tools, calculators, and helpful information on avoiding scams.

Credit Reporting Bodies

These agencies provide access to your credit report and credit score.

• Equifax – equifax.com
• Illion – illion.com.au
• Experian – experian.com.au

Financial Literacy & Budgeting Resources

Services Australia

🔗 servicesaustralia.gov.au
Offers budgeting tools, bill-paying services, and information on financial assistance eligibility.

MoneySmart Budget Planner

🔗 moneysmart.gov.au/budgeting/budget-planner
A helpful budget template to track where your money is going.

Financial Rights Legal Centre

🔗 financialrights.org.au/debt-problem-solver
Provides free tools, legal information, and a financial counselling helpline.

Experiencing Domestic or Financial Abuse? 

If you're facing domestic violence or financial abuse, it can feel isolating—but help is available, and you don’t have to go through it alone.

🔹 Kelly Wilkinson Foundation – Providing support, resources, and advocacy for those affected by domestic violence.

🔹 1800RESPECT (1800 737 732) – Confidential 24/7 counselling and support for anyone experiencing abuse.

🔹 Lifeline (13 11 14) – A safe space to talk, anytime, day or night.