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Caterina Hrysomallis
SMH
Published on: 6 May 2025
Recently updated: 6 May 2025

If you’ve ever applied for a loan, credit card, or watched a lot of American TV shows, you’ve probably heard the term “credit score” thrown around. But what are they, and do they really matter in an Australian context?

Credit reports inform your credit score. These reports cover three main things: how many times you’ve applied for credit, the amount of money you’ve borrowed and whether you pay your bills on time.

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