MSE credit club & Experian

yrnm

Hello. I'm a bit puzzled regarding my Experian score. It's 807 (fair 3/5) and I don't understand why it's so low.

I have no missed payments, no defaults, no credit card debt, I'm on the electoral roll at my current address since 2012. Experian shows 10 open credit accounts:

* 2 credit cards with limits £7000 and £3000 (always paid in full)
* 4 bank accounts, total overdraft limit £1500 (never use the overdraft)
* 1 mobile account
* 2 utility accounts (gas & electric)
* 1 mortgage

Is this because I have too many bank accounts, or perhaps it's the number of searches? I switched mortgage provider, bank accounts and utility provider in the past 6 months, is that the reason?

[Deleted User]

It’s because the scores and ratings aren’t real.

What you’re doing is fine - carry on regardless