Credit rating has shot up - mistake?!

caroline1973lefty

I just got notified of a change to my credit rating via MSE credit club/Experian.
when I checked it my rating had shot up this month from “poor” to excellent.
I can’t really understand it.
my credit accounts & other factors like stability, employment etc are mostly good, but there is one big blot (a default from 2 years ago, that I am planning on challenging incidentally because I hope to get a mortgage maybe in a year or less).
that default is still showing on my account
so why has my rating shot up?
is it even worth applying now for one of those cashback credit cards I can’t normally get?

Hasbeen

caroline1973lefty said:

I just got notified of a change to my credit rating via MSE credit club/Experian.
when I checked it my rating had shot up this month from “poor” to excellent.
I can’t really understand it.
my credit accounts & other factors like stability, employment etc are mostly good, but there is one big blot (a default from 2 years ago, that I am planning on challenging incidentally because I hope to get a mortgage maybe in a year or less).
that default is still showing on my account
so why has my rating shot up?
is it even worth applying now for one of those cashback credit cards I can’t normally get?

https://forums.moneysavingexpert.com/discussion/4974939/what-your-credit-score-really-means/p1

caroline1973lefty

Hi, thanks, yes I get that these “credit scores” are just a bit of a marketing gimmick, but I’m still curious as to why it’s shot up - I have been twiddling here and there with financial stuff in recent months but nothing drastic... at least, I didn’t think so! Are they just completely and utterly random and glitch prone? If it had just changed a little bit I’d not think anything of it, but it’s done from 450 to 970 overnight!