sudden drop in credit score experian

tallman83

A few months back my experian credit score was 800 and classed as fair this is despite having a few defaults on my file that were 4 to 5 years old. The only pet credit I had at the tune we an over draft with my bank of 800 that was still in credit. There match rate said i was eligible for a capital 1 card so I applied and was accepted.

Checked my file this month and my score had dropped to 493 very poor.

Any ideas why?

RichL74

Ignore the numbers.

You applied for a Capital One card and were accepted, Captial One provide the credit, not experian.

The_Boss

Your credit score actually improved on my made up scale compared to last time. Sadly it is just about as accurate as Experian's.