Credit Smart Solutions

Jake’s Credit Comeback: From Rejected to Approved in 6 Months When 28-year-old Jake from Brisbane applied for his first credit card and got rejected, he thought he’d never be taken seriously by lenders again. But just six months later, he was approved — and on track toward a healthier financial future. 📉 The Problem: A Low Credit Score and Zero Credit History Jake had never had a credit card before. Like many young Australians, he believed that staying away from debt would protect him — but when he needed to buy a used car on finance, the bank didn’t see any credit history. Worse, a forgotten $170 utility bill had gone unpaid for over 90 days and was reported as a default. 🧠 Step 1: Understanding the Damage Jake checked his credit score using ClearScore and found it was sitting at just 522. He downloaded his full credit report to see what was dragging him down. There it was: one default and zero positive credit activity. 📈 Step 2: Building Back with Purpose He pa...