How to Improve Your Credit Score in 90 Days

Your credit score isn't set in stone. With the right strategy and commitment, you can significantly boost your score in just 90 days. Whether you're planning to apply for a loan, a credit card, or just want better financial health—this guide is for you.

Day 1–7: Know Where You Stand

• Get a Free Credit Report: Start by obtaining your credit report from Equifax, Experian, or illion.
• Check for Errors: Look for incorrect addresses, unpaid debts that you've cleared, or duplicate listings.
• Dispute Inaccuracies: File a dispute with the credit agency to correct any errors.

Day 8–30: Build Better Habits

• Pay Bills on Time: Payment history has the biggest impact on your credit score.
• Set Up Direct Debit: Automate payments for credit cards and utilities to avoid missing due dates.
• Reduce Credit Utilisation: Try to use less than 30% of your credit limit.

Day 31–60: Reorganise Your Finances

• Pay Down Existing Debts: Start with high-interest debts first.
• Avoid New Credit Applications: Each application leaves a footprint that may lower your score temporarily.
• Keep Old Accounts Open: Longer credit history benefits your score.

Day 61–90: Monitor Progress & Stay Consistent

• Track Your Credit Score Monthly: Use services like Credit Simple or ClearScore.
• Celebrate Small Wins: Even a 30–50 point increase is a great start.
• Continue Building: Make good credit habits part of your lifestyle.

Tools That Can Help

• Credit Simple Australia
• ClearScore

Final Thoughts

Improving your credit score doesn’t require drastic changes—it needs consistency. By following this 90-day plan, you can lay a strong foundation for better financial access and peace of mind.

Next up: Best Low-Interest Credit Cards for Young Aussies in 2025. Stay tuned!