Your Credit Score: What Affects It & How to Improve It

Your credit score plays a vital role in your financial future, influencing everything from mortgage approvals to loan interest rates. A strong credit score can open doors to better borrowing options, lower costs, and increased financial flexibility, while a poor score may limit your choices and make borrowing more expensive.

In this guide, we break down what affects your credit score, how to improve it over time, and why even small changes in your credit habits can have a big impact. Whether you’re planning to buy a home, apply for credit, or simply want to stay financially prepared, understanding how to maximise your credit score will put you in control of your financial wellbeing.