Score improvement
Credit scores & reportsAn increase in your credit score over time.
Overview
Improvements can come from on-time payments, lower balances, or older negative items fading.
Results vary depending on your starting point.
Why it matters
- It can unlock better rates and offers.
- It signals positive credit behaviour.
- It builds confidence for larger applications.
FAQs
How quickly can my score improve?
Some improvements are quick, but the biggest gains usually take time.
What is the best way to improve my score?
Pay on time, keep utilisation low, and avoid too many hard searches.
Related terms
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