I've been an Experian member for a long while and dip in and out of the updates as and when needed, but for various reasons have kept a closer eye on my account over the last few months.
Twice, in that time, my score has dipped significantly, taking me from good to fair for seemingly no reason. The last time I discovered that I was in debit with my energy provider by a few pence (normal at the end of winter as I pay the same amount annually, regardless, so am always massively in credit over summer and my payments are adjusted automatically as and when needed) and I rectified that and thought that was the reason.
This time, I have dipped 90 points. No reason at all. All my bills are paid by direct debit and I always ensure there are enough funds for each bill. All my energy and water are in credit by large amounts. I have no credit cards or loans, only a mortgage, which is paid on time every month.
I am starting to think it's merely a ruse to get me to buy into their expensive detailed reports, which would show me whatever my one "negative influence" is.
Does anyone have experience with Experian and can confirm what is going on? I really resent having to buy a plan for £14pcm when all my payments seem fine.