This week we had Elsa on to discuss the all important topic of credit scores. She told us it's not necessarily the score that matters but what's in the report. You can download them for free once a quarter from the likes of illion, Experian, and Equifax and in it you'll see not just credit items but also interesting things like your phone plans, energy, internet and so on. Elsa said it's important to look at it every so often because if there's a discrepancy or a fraud, it could affect your ability to get credit in the future. So, raise those flags ASAP! 00:00-00:45 - Intro

00:45-01:05 - Elsa's Savings Tip - don't forget happiness

01:05-03:57 - Credit Score vs Credit Report

03:57-05:32 - What matters on your report

05:32-06:48 - How long stuff stays on your report

06:48-08:08 - Are Aussies becoming more financially savvy

08:08-09:35 - Taking out credit to build a profile - fact or fiction

09:35-11:09 - Home loan approvals, how they factor in

11:09-13:09 - How to dispute a discrepancy

13:09-15:07 - Final tips

15:07-15:59 - Outro