How to improve your credit score…
If you need to improve your credit report, trying taking these steps:
Step 1: Resolve any outstanding issues with past lenders, billers or creditors
Step 2: Obtain a free copy of your credit file to make sure everything on it is correct.
Step 3: Fix any past problems and get them removed from your report.
Step 4: Set up direct debits for all your regular bills so you won’t forget about them
Step 5: Don’t make too many applications for credit.
Step 6: Talk to your lender immediately if you are struggling to meet repayments; they'll have a hardship policy.
Source: The Age