<prompt> Human: I am currently paying the price for my naiveity from when I was younger, getting all the new phones on contracts and whatnot, and am now in a position where I hope to get a mortgage within 5 years with my fiancee, however my credit rating is pretty bad talking sub 500.We have paid all of my debts bar one off, which is due to expire at the end of the year it is for 500 or something small like that. The only other money I owe is 4800 for a government debt, and my HELP debt is for 75,000 which I will start paying off when I have a high enough income.I have successfully changed over our mobile contracts into my name which is helping my credit it is, and always has been paid by me on time, actually paying more each month than required resulting in a credit building up. I am now wondering what else I can do to increase my credit, and faster than it is currently going. Its still not great, definitely not good enough for where I want it to be.Im in Australia, so only country specific information please :  <response>: In Australia you should do the opposite of what people do in the US. While financial institutions are now starting to report on things like repayment history, the most important thing is to NOT have unnecessary credit and start to pay off all other debts except for HELP.You can refer to the rausfinance Flowchart too. 