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  • #121
    Re: Will applying for Vanquis have any other effects?

    I have just failed for a second time with creation . I suppose another 6 month wait; at least Aqua love me as they have just upped my credit limit
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #122
      Re: Will applying for Vanquis have any other effects?

      Originally posted by cymruambyth View Post
      I have just failed for a second time with creation . I suppose another 6 month wait; at least Aqua love me as they have just upped my credit limit
      yep! I am not going to bother with Creation again; i'm going to do what Niddy suggested and try and get one with my own bank (Lloyds) when my newest default is one month over 3 years. Of course, i assume my CRA file is how i think it is and no-one has put a naughty one in!

      Cheers
      SA
      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #123
        Re: Will applying for Vanquis have any other effects?

        I'm tempted to have a look at a CRA file just in case anything as been reported that shouldn't have! Although I have a CCJ it's over 3 years old and my last default should also be over 3 years old.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #124
          Re: Will applying for Vanquis have any other effects?

          Originally posted by cymruambyth View Post
          I'm tempted to have a look at a CRA file just in case anything as been reported that shouldn't have! Although I have a CCJ it's over 3 years old and my last default should also be over 3 years old.
          um, i think the general consensus is that by requesting a copy of your file (either a one-off paper copy, or a subscription) alerts creditors that you are accessing credit again and likely to start the threat template machine off!
          Also, i think a CCJ may prevent you from gaining credit; i think they hurt credit worthiness until they drop off altogether (six years).

          Cheers
          SA
          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #125
            Re: Will applying for Vanquis have any other effects?

            December 2016 here I come!
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • #126
              Re: Will applying for Vanquis have any other effects?

              Originally posted by cymruambyth View Post
              December 2016 here I come!
              That's the spirit!
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

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