Credit score gone from Excellent to fair for no reason?

[MX5_Nuts]

As per title, Checked my Experian score last month and was "Excellent" but checking it this month it's dropped by "167 points" for no reason at all? I have taken out no new credit, no hard searches only car insurance renewal, no late payments, no large amount of spending on cc and everything paid on time etc so why the massive drop??

I have also checked on noddle which is also showing the same... Is this their tactics to get you to upgrade to their premium services?

I need to apply for a mortgage in couple weeks time so will this screw me up now??

[MX5_Nuts]

Only thing I can think of is paying the car insurance monthly?? Would this really effect it this much?

[MX5_Nuts]

I always pay monthly for insurance and really had no idea it could effect credit rating as severe as this! Oh well will be interesting if I get accepted for mortgage now. I've spent months ensuring its squeaky clean prior to applying and paying for car insurance monthly has fked it up just beforehand. What utter bks!

[MX5_Nuts]

Thanks Sarnie - that puts my mind at ease!

[MX5_Nuts]

Now realise this credit scoring thing is complete bks so ain't bothering to check again!

Anyway have applied for a mortgage and have been approved in principle (yes I know - probably means absolutely nothing)