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Credit score - Experian

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Hi all,


I'm a bit confused about my credit report. I asked for my credit score from experian in April 2010 and it came back as 700. At he beginning on July a CCJ reached six years and has dissappeared. I then asked for my credit score again and it came back as 670, which is worse than before.


I have a notice of correction on a search whilst they look in to it and I am slightly over my credit limit on two accounts, which will rectify itself when they update the credit report this month. Other than that, all my accounts are paid on time all the time.


Any idea, what's going on? why is my credit report worse than before and when will it correct itself? even though those two accounts are now in order will it be something like 12 months before the credit score improves?


confused.com :-?

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The numerical score is a random number generated by Experian themselves.


Don't waste your money paying for it as lenders have their own criteria.

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