Credit Score Advice - Just need to know I'm not f*cked!
Hey guys,
Sorry if this is a silly question, I'm just panicking a bit and Google isn't offering much help.
I'm 27, I moved in with my partner in October 2025, obviously opened accounts in my name (broadband, TV, Utilities, etc), prior to that I also opened my first credit card in September. My credit limit is 4,000. (EDIT: just to add it's a 0% credit card for 24 months, and i aim to have it paid off way before that deadline, though I recognise this may have been a bad choice to cover costs at the time and I wouldn't want to rely on it if I did it over again!)
I have never missed or delayed a payment, and I've never used more than about 35% of my limit. I always overpay, but not always by the same amount. I normally pay just above the minimum on payday, then pay off a bit more towards the end of the month when I know what I've got spare after bills/savings/etc.
I also have a car on finance, which is £60/month and, again, always paid and never missed or late.
I'm an avid checker of my credit score, as my family had a lot of financial issues growing up, yada yada, financially I'm just worried to end up in a similar situation myself.
It's probably worth noting, I did delay registering on the electoral roll at my new address, and I didn't do so until April (I was hospitalised, it was a whole thing that sort of delayed a lot of admin I should have been on top of).
My partner and I also opened a joint account (a current account w no overdraft) to make paying the bills easier, so we are financially linked.
I got an email yesterday that my Clearscore had dropped 387 points and is now sitting at about 400. I just checked my TransUnion score and it is poor. My scores have always been above the average.
How fucked am I? Is it just because I moved? Will it go back up?
I'm not looking to take out any credit or anything soon, I just want to make sure I'm not fucked for the future.