Your bank or finance company has sold your account to Pioneer Credit because your payments are overdue. For more information visit “I’ve received a letter”.

Our aim is to gain a full understanding of our customers’ situations to ensure we are providing them with the best possible solutions. We understand that some customers may not currently be in a position to make payments but – like you – we are confident that things will improve. We call our customers to seek further information and, simply to see if there is anything that we can do to help.

We recognise you have other commitments and may be busy and therefore, endeavour only to call our customers when it is necessary to do so and within best practice guidelines. Of course you can always call us. We are here to help, and are available on 1300 720 823.

Pioneer Credit is here to assist you in paying off your accounts in the most achievable and stress-free way. We urge you to contact us promptly in order to minimise interest that may be accruing and also to avoid potential action against your account.

We can only help you in resolving your account if you contact us and help us understand your circumstances. It has been our experience that the most effective way to deal with your account is to respond promptly to Pioneer Credit’s attempts to speak with you.

It is important for your privacy that we are able to correctly identify you and establish if the account we have is yours. If your contact details are complete and up-to-date we are in the best position to promptly discuss your situation and provide assistance. It is important for you to inform us of a change in your details so there can be no delay in contacting you if needed.

If you would prefer to communicate about your account via email we are happy to accommodate this to the extent that is practical. We will however need to have a quick discussion first to confirm your identity, in order to protect your privacy.

You can make a payment towards your account by contacting us.

You can get all the details about your account by contacting us.

We take the protection of our customers’ privacy very seriously – so without your permission, we can’t disclose information about you to anyone else. If you wish to have a family member or friend contact us on your behalf, then we will require your approval. For more information visit our resources page.

You can view statements for your account in our Customer Portal.

You should read the notice carefully for the full detail. In summary, sending a Default Notice provides a credit provider the ability to commence enforcement proceedings after 30 days. If you have received a Default Notice we strongly recommend you contact your Customer Service Team Member on 1300 720 823, even if you cannot pay the full amount due right away.

It is possible that legal proceedings could occur to recover an unpaid account – however this is viewed by Pioneer Credit as the absolute last resort. Our aim is always to work with you to find a solution that suits your situation.

A credit score gives you an idea of your degree of credit eligibility. Our credit bureau provider, Experian, will combine a number of factors together to help you get a clear idea of your financial health.

Pioneer Credit works in partnership with Experian, which is an entirely separate, data analytics company and credit bureau. Experian is a global information solutions company and the leading provider of credit information and analysis in the world.

Being able to demonstrate a strong credit score is a great way of knowing whether you can get a better deal on your loan, that is if your score suggests you’re unlikely to encounter financial difficulty.

No. Your credit score is simply an indication of how much you can negotiate your borrowing rates. It is not shared with any other financial institutions and will not influence your credit history.

Your credit score is calculated using Experian credit information and is then passed back to you via Credit Place. We don’t sell your information to any third parties. We may, with your consent, use your contact information to let you know information about other products which may interest you. You can opt out of receiving this information at any time.

There are a number of variables which affect your score. If you’re concerned about your score, please feel free to contact us regarding this.

Credit score updates are available monthly through our mobile app called Pioneer Path. If you do not wish to download the application, then you are permitted to come back and access your score again through the Credit Place website whenever you like.

The various lenders and credit reporting bodies have different scores based on their own information and calculations. A score that is based on minimal data can result in you having an incorrect credit decision being made. Credit Place uses Experian to retrieve your credit score based on the most current and comprehensive data sources, consisting of more than 15.7 million active consumer credit files.

There could be many reasons why we may be unable to provide you with your Experian credit score. It may mean that you don’t have an active credit report in the Experian database or potentially that you have insufficient information on your credit report.

If you don’t have a driver’s licence, Credit Place will not be able to provide you with your credit score as we are unable to confirm your identification. Please call us on 1300 015 133 instead.

Currently you cannot make a payment through Pioneer Path, you will only be able to view your account details in the App.

To link your account to Pioneer Path you need to sign up with the name and email that we have on record for your Pioneer Credit account. You can contact your account manager on 1300 720 823 to find out what details we have on file for you.

Pioneer Path allows you to view your account and manage your personal finances. Our Customer Portal will allow you to view and manage your Pioneer Credit account.

We’ve worked hard to make Pioneer Path secure. Pioneer Path has bank grade security to ensure that your information is safe.