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Why Australia needs a better system for credit scores

  • Written by: Andrew Grant, Senior Lecturer, University of Sydney
Why Australia needs a better system for credit scoresLenders will soon have more data on your accounts and cash flow.Shutterstock

Australia’s credit rating system is failing both borrowers and lenders. Many borrowers are unaware of their own credit scores and our research shows they have trouble applying for suitable loans. Lenders are also struggling with too little information, causing them...

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The off-topic Conversation #153

  • Written by: Molly Glassey, Audience Development Manager, The Conversation

Welcome to The Conversation’s off-topic space. We’ve set this up as the place where you can discuss anything that isn’t related to a specific article. Please feel free to use this space to get to know each other and talk about news elsewhere and whatever else strikes your fancy.

This is also an opportunity to discuss broader...

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Why telling people they could get sick in the future won't persuade them to be healthy now

  • Written by: Adam Bulley, PhD Student in Psychology, The University of Queensland
Why telling people they could get sick in the future won't persuade them to be healthy nowEating a delicious doughnut now seems more rewarding than the nebulous concept of "better future health". from www.shutterstock.com

Everyone knows smoking, consuming too much sugar and drinking too much alcohol will harm our long-term health – but many of us do these things anyway. Why?

Of course, we may simply decide not to worry about the...

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More Articles …

  1. Explainer: the doping case against Russian curler Aleksandr Krushelnitckii
  2. 'No pokies' Xenophon goes for 'some pokies', but does his gambling policy go far enough?
  3. FactCheck: are 'around 5,000 jobs' at risk if pokies are removed from pubs and clubs in Tasmania?
  4. Mythbusting Ancient Rome: did Christians ban the ancient Olympics?
  5. A brief history of Martian exploration – as the InSight Lander prepares to launch
  6. Curious Kids: Where do seagulls go when they die and why don't we find dead seagulls on the beach?
  7. Australia's consumer laws still don't cover e-books and many other digital products
  8. The other 99%: retrofitting is the key to putting more Australians into eco-homes
  9. Research Check: will eating 'ultra-processed' foods give you cancer?
  10. Where should the law draw the line between consent and culpability in sadomasochism?
  11. Bullying, threats and violence: report details the difficult job of a principal
  12. Joyce tells WA Nats to leave his future to those with 'skin in the game'
  13. No, you can't tap your hand to get on the train – where biohacktivists stand under the law
  14. Australia may be engaging in 'free trade' but it's becoming more protectionist too
  15. Now you see us: how casting an eerie glow on fish can help count and conserve them
  16. A public broadcaster that bows to political pressure isn't doing its job
  17. For what shall it profit a city if it loses its civic soul? A plea to preserve Melbourne's Fed Square
  18. Thirty years since the Seoul Olympics, South Korea is still tackling the legacy of overseas adoption
  19. Grey's Anatomy is unrealistic, but it might make junior doctors more compassionate
  20. Why police in schools won't reduce youth crime in Victoria
  21. Deposit schemes reduce drink containers in the ocean by 40%
  22. What happens when employees are fired for complaining at work
  23. Farewell to Paper presents an engaging double act on lost things
  24. We won't close the gap if the Commonwealth cuts off Indigenous housing support
  25. Spinal fusion surgery for lower back pain: it's costly and there's little evidence it'll work
  26. How we can put a stop to the revolving door between homelessness and imprisonment
  27. Sizes matters for black hole formation, but there's something missing in the middle ground
  28. Fischer calls for quick resolution of Nationals crisis, while Joyce is determined to fight to the death
  29. Tesla's 'virtual power plant' might be second-best to real people power
  30. Here's what you need to know about the new flu vaccines for over-65s
  31. Why sport hasn't made much progress on LGBTI+ rights since the Sochi Olympics
  32. Explainer: what are credit ratings and why do they matter?
  33. The first charges over Russian involvement in the US election have been laid – are there more to come?
  34. Curious Kids: Where do my recycled items go?
  35. Seeing the unseeable: how viewing crime scene photos can be beneficial
  36. Comic-explainer: How does Islamic finance work?
  37. FactCheck: do bank profits 'belong to everyday Australians'?
  38. So many public toilets are a last resort – why not a restful refuge?
  39. Can diet improve the symptoms of endometriosis? Sadly, there's no clear answer
  40. The surprising benefits of oysters (and no, it's not what you're thinking)
  41. Russia not so much a (re)rising superpower as a skilled strategic spoiler
  42. We should learn to work with robots and not worry about them taking our jobs
  43. Voters tell Barnaby Joyce to quit as leader - Newspoll
  44. Customer service staff need to be problem solving not apologising
  45. There are four types of drinker – which one are you?
  46. Welcome to the new (old) moralism: how the media's coverage of the Joyce affair harks back to the 1950s
  47. It's 20 years since privatisation lit the spark under South Australia's livewire energy politics
  48. Joyce fires broadside at Turnbull, as Coalition crisis deepens
  49. VIDEO: Michelle Grattan on sex, scandals and strained relationships in the government
  50. Banning workplace romances won't solve the problem of sexual misconduct in the office

Business News

How to Rent a Car for Uber in Melbourne: What Every New Driver Needs to Know

Starting out as an Uber driver in Melbourne is not as complicated as it sounds but getting the vehicle right is where most new drivers get stuck. Uber has strict requirements around vehicle age, condi...

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When Should You Speak to a Lawyer About a Legal Issue?

Legal issues can begin with a simple question, then become harder to manage once formal steps are involved. Many people wait until a matter feels urgent before seeking guidance, even though earlier ...

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The strategic rise of Bali as Australia’s next essential healthcare support hub

As Australian healthcare providers grapple with unprecedented operational bottlenecks, a new nearshore model is quietly transforming patient care delivery. Forward-thinking organisations,  including...

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Cost Savings and Benefits of Using Used Pallets in Logistics

In today’s competitive logistics and supply chain industry, businesses are constantly looking for ways to reduce operational costs without compromising efficiency and reliability. One of the most prac...

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How Fulfilment Services in Australia Help Businesses Scale Efficiently

The growth of e-commerce and modern retail has transformed customer expectations. Consumers now expect fast shipping, accurate order processing, and seamless delivery experiences regardless of where...

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Practical Ways Australian Workplaces Can Reduce Operating Costs

Reducing business costs doesn’t always mean cutting staff, shrinking services or making the workplace feel bare-bones. In many cases, the smarter savings are hiding in everyday operations: the light...

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Executive Recruitment Solutions That Help Organisations Secure Exceptional Leaders

Leadership has a direct impact on organisational performance, employee engagement, strategic growth, and long-term success. Businesses operating in increasingly competitive environments require experi...

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Why A WooCommerce Website Designer Matters For Online Growth

Running an online store today requires more than simply listing products and waiting for customers to arrive. Businesses need a website that is fast, reliable, easy to navigate, and designed to suppor...

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Turning Your Empty Tables into Revenue

The rise of AI demand tools in hospitality, the EatClub–CommBank partnership, and seven trends reshaping Australian dining  A growing number of Australian venues are turning to AI-powered demand mana...

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The Daily Magazine

DIY Rodent Control Vs Professional Help: When Is It Time To Call The Experts?

Rodents are one of the most frustrating pest problems for Australian property owners. Rats and mic...

Lighting Shop in Perth: How The Right Lighting Can Transform Your Home And Business

The right lighting can completely change the look, feel, and functionality of any space. Whether it ...

Traffic Light System Solutions For Safer And More Efficient Traffic Management

Modern cities and growing communities rely heavily on effective traffic management to ensure safety...

Gold Migration Lawyers in Liquidation: How the Closure Affects Your ART Appeal

If your appeal was with Gold Migration Lawyers, a recent change to how the Tribunal decides cases ...

The pressure cooker: life in urban Australia in 2026

Australian cities have always been demanding. Long commutes, rising housing costs, busy schedules a...

What Actually Makes a Good Criminal Lawyer in Melbourne

Most people only think about this question once. That is usually too late. Most people charged wi...

Why Working With A Chatswood Tutor Can Improve Academic Performance

Academic expectations continue increasing for students across primary school, high school, and senio...

Is It Worth Getting Solar Panels in Melbourne?

The real question is not whether solar works in Melbourne. It works. The question is what it is co...

How A Diploma Of Project Management Builds Practical Skills For Modern Work Environments

Developing the ability to plan, execute, and deliver outcomes efficiently is a key requirement in to...