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sudden drop in credit score experian

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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?

Comments

  • RichL74
    RichL74 Posts: 938 Forumite
    Eighth Anniversary 500 Posts Combo Breaker
    Ignore the numbers.

    You applied for a Capital One card and were accepted, Captial One provide the credit, not experian.
  • The_Boss
    The_Boss Posts: 5,858 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Your credit score actually improved on my made up scale compared to last time. Sadly it is just about as accurate as Experian's.
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