Positive credit
Credit scores & reportsGood credit behaviour, such as paying on time and keeping balances low.
Overview
Positive credit builds trust with lenders over time.
It can come from rent reporting, credit cards, or loans paid on schedule.
Why it matters
- It improves your credit score and profile.
- It supports better eligibility and rates.
- It reduces the impact of past mistakes.
FAQs
How long does positive credit take to build?
It builds over time with consistent, on-time payments.
Does positive credit outweigh negative history?
It can help, but negative entries may still affect your score until they age off.
Related terms
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