Variation in credit score ?

[Inspectorclueso]

I tend to keep an eye on credit score, more so at present as I'm around 12 months out from potential re-mortgage, if the pay it off plan doesn't quite work !

Anyway, I'm a little surprised by the variation in scores, checking just now I am 'Low' on Experian i.e. below fair (which is worse than I've ever been ?), 'soaring high' on clearscore and 'excellent' i.e. the top category on TransUnion.

Now I do have some familiarity as to the way these work through my work, but I'm really surprised that I can be excellent on one and low on another. The two issues that I suspect are hitting me are I have a 4 year old default for £20 (settled as goodwill by the provider) but remains on record and I've utilised more than 90% of one particular credit card as a cash balance transfer as it was too good a deal not to. Any thoughts on this....I'm thinking I'll give it a couple of months and then just pay the cash transfer balance down to see what happens. If it is the card balance that's hitting my Experian score, I'm surprised it's having that affect as I have plenty of other credit headroom going unused and many credit accounts that are bang up to date and there methodology seems overly simplistic.

Anyone else experience this ?

[Sarnie]

Pay down the credit card.........that's the issue.