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  2. Credit reporting & scores
  3. Understanding credit reports

Articles in this section

  • All about enquiries
  • Balance of credit type
  • Building your repayment history
  • Credit accounts on my report
  • Credit Utilisation
  • Difference between my Experian and illion reports?
  • How do I correct information on my report?
  • How long bankruptcy stays on your report?
  • How long does bankruptcy show and what impact will it have?
  • How long does information stay on my file with credit bureaus?
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Building your repayment history

Having little or no credit history makes it difficult for lenders to make a decision, because they can’t tell if you’ll repay your debt on time.

The longer you hold a credit account, the more opportunities to show lenders you can manage your finances.

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  • Credit accounts on my report
  • How can you improve your score?
  • Balance of credit type
  • Personal statements
  • What are defaults?

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