Check out your insights
are personalised to you and show what could be affecting your credit report and score. They also give you tips on what to improve and tell you the things you're doing well.
Manage your debt responsibly
Pay on time and in full and keep your between 10 - 70% and within your means. Lenders will see you’re able to manage your finances sensibly and you aren’t relying on credit alone.
Build your credit history, if you don’t have one
The easiest way to do this is by getting and using a credit card. Try to spend a small amount every month and pay it back in full by setting up a Direct Debit.
Confirm your identity
You can do this by registering for the electoral roll at your current address. This helps lenders check who you are – having a fixed address makes you look like a reliable person to lend to.
Keep your information up to date
If there's something that doesn't look right or is missing from your report, you'll need to get this fixed. Try getting in touch with the bank or lender first (if you haven't done this already) and allow a few weeks for this to come through to us.
If the credit provider you’ve contacted doesn’t agree with your correction, they’ll need to provide you with reasons why.
If you’re still not satisfied with the decision, you can appeal this via the External Dispute Resolution scheme (EDR) or the Office of the Australian Information Commissioner (OAIC). You can also raise a complaint with AFCA.