Deep, deep dive
What determines my credit score?
Your credit score is determined by various factors, such as your payment history, amounts owed, length of credit history, credit mix and new credit.
Simply put, good and responsible financial behaviour such as meeting your monthly loan repayments and paying your bills on time will give you a better score.
Do note, different credit reporting agencies have different methods of calculating your credit score. As an example, here is a breakdown of how CTOS calculates your credit score:
You can find more information on these 5 factors here.