Is a TSB current account very easy for people with low credit score to get approved for?

Thiamine

4 to 5 years ago I went through a period of serious illness that affected my finances.  I ended up with no less than 5 defaults on my credit file.  All for I suppose relatively low amounts, but still.  At present these defaults are still on my report and are approx 5 years old.  I have no CCJs or bankruptcy and I've got a small amount of "positive" credit history just in the sense of my bank, mobile provider etc reporting a clear payment history from me for 6 years or so.
Over the years I've been turned down whenever I've applied for any form of mobile phone contract or current account.
I was looking to switch both mobile and current account this year and tried around May and got declined.  On a whim I tried again today, instantly accepted by EE for a mobile phone contract with new phone and instantly approved for a normal current account by TSB. 
What would cause this sudden change that now I am suddenly deemed worthy of a normal bank account and phone contract?

eskbanker

It's not necessarily a sudden change as such, but simply that the defaults are a few months closer to expiry than before?  There are many variables involved in credit risk assessments though, so there could be any number of reasons why you're accepted now after previous declines....

Thiamine

eskbanker said:

It's not necessarily a sudden change as such, but simply that the defaults are a few months closer to expiry than before?  There are many variables involved in credit risk assessments though, so there could be any number of reasons why you're accepted now after previous declines....

It was certainly a pleasant surprise.

xylophone

Perhaps TSB is anticipating a flood of switches out in December  and trying to make up the numbers...

https://forums.moneysavingexpert.com/discussion/6193662/tsb-classic-plus-and-classic-enhance-interest-rates-reduction-to-0#latest

I've already switched one of mine to my Lloyds account.