The Situation

The Score Most
People Misunderstand

Your credit score is a risk assessment — it tells lenders how likely you are to repay debt on time. It is calculated from five factors, but they are not equally weighted. Payment history and credit utilisation together account for 65% of your score. Everything else is secondary.

"Improving your credit score is not complicated. It is a matter of focusing on the two factors that matter most."

Worthune Editorial

• Your credit score is lower than you would expect given your income
• You have been told to "build credit" without a clear framework for how
• You are unsure which actions will most efficiently improve your score