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Good credit is ideal. But how do you get there? Perform a quick search for "How to get a good credit score" and the majority of articles will be filled with phrases such as credit utilisation and FICO. These US terms are of little use to us Australians, and unfortunately, the path to good credit is a little murkier down here.
We wanted to clear that path up a bit, so we hunted down five people with "excellent" and "very good" credit score ratings (the top two tiers in Experian's rating system) to find out what we can learn from their good credit behaviour.
Banks know your credit score, so why shouldn't you? The Finder app updates your score automatically each month and lets you know if it changes. Pop in your phone number below to get your download link.
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There are many ways to get a good credit score but all five of our respondents have the following in common.
Our good credit scorers haven't consciously tried to improve their credit scores specifically, but believe their scores are good for a few reasons and have all done the following.
Our good credit scorers have taken advantage of some of the perks that come with a good credit score.
There are a number of ways people get their credit score in the top tiers. Find out what strategies work for you and see where your credit is now by checking for free with finder.com.au.
Picture: Shutterstock
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I don’t understand why when I check another service my credit score is 890 and shows my home loan and one paid telecommunications default. I check here and score 320. Why is there a difference?
Hi Kevin,
It is true that different credit reporting bureaus may provide different scores. Whilst each credit bureau collects roughly the same type of information, the data they have access to and the way they interpret it varies. They have their own way of collecting, ranking, and evaluating data to come up with a score.
This might be the case, but the difference in your score from one credit reporting bureau to another should not be significant. If this happens, there might be an error in your credit report. Best practice is to check your credit report from each bureau and correct any errors, if necessary.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
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Thank you
Joshua