Your credit score can improve over time as your information is retained on your credit report for a defined period of time. You may be able to improve your credit report by:

• Making sure all payments for bills and credit accounts are made on time
• Accessing a copy of your credit report and correcting errors on your credit report with the relevant credit provider or credit reporting body
• If necessary, take steps to correct inaccuracies with the relevant lender
• Checking out the CreditSmart website, http://www.creditsmart.org.au/ for more great tips on managing your credit