Pls explain the Australian credit score to me like I'm 12 year old.

Hi all!

I'm originally from a country where there's no credit score so I have no clue how the Australian credit score works, and most of the info online is either about the US credit score system or in terms that are obscure or not practical enough.

For example:

- does having a credit card with no debt on it impact (positively or negatively) my credit score?

- if today I buy a car with a 5 year loan and don't miss any payment, will it impact my credit score (positively or negatively) for when I buy a home in 2 years from now?

Cheers!