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Credit rating drop after paying off mortgage

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Hi guys - we are considering changing our mortgage product from a 70% LTV with the Woolwich to an 80% LTV rate also with the Woolwich. I spoke to the Broker at L&C yesterday and said they may re-score us (she's just waiting to hear back).

I know there are mixed opinions on Experian and the like, but I checked both mine and Husband's just now - mine has dropped slightly but is still within the excellent bracket. Husband's has dropped like a stone and is now Fair.

The only change on either account is that we have paid off our old mortgage after selling our house back in January.

Does anyone know if the Woolwich would look at the circumstances or just the numbers?

Thank you

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