Though you can qualify for this type of loan product with a bad or non-existent credit rating, having a good credit score can increase your chances of borrowing more money at a lower interest rate. To improve your credit score, start by ordering a free copy of your credit report from an Australian credit bureau, and then ask them to remove any errors you find. Aim to pay all your bills on time and in full, to avoid having any negative information in your credit history file.
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