Credit score fall 2 days before completion - panic

malkorkslx

My mortgage completion date is on Thursday and I have noticed today that my expirian credit score fall from excellent to fair (990->885)
due to using £180 on one of my credit cards.

£100 has been paid off couple of days after usage and today I paid off the rest, way before any fees/charges/etc.

Should I be on the phone to expirian to correct my score asap, as I'm worried about pre-completion checks?

Anyone had similar situation?

Thanks...

westv

Let's see if I've learnt anything on here.

My advice. Ignore your "credit score". It's just a ruse for credit agencies to sell your information back to you.

Landofwood

westv wrote: »

Let's see if I've learnt anything on here.

My advice. Ignore your "credit score". It's just a ruse for credit agencies to sell your information back to you.

Right. Plenty of topics on this.

jamesd

Ignore it. It's just routine variation in the way they calculate scores and will make no difference at all to your mortgage.

forgotmyname

On the phone to correct your score? As mentioned the score is meaningless. Stop paying them for your meaningless score.

Your lender wont be using their score. They will have no idea that it changed.

malkorkslx

Thanks for the replies, I can sleep now. :j