V A N Q U I S

Innocent_Guy

sutton111 wrote: »

Innocent, who was your CIFAS with?

Never has any cifas markers showing.

Had loads of linked addresses I knew nothing about and some companies showing defaults that I had never had agreements with.

Got all of the defaults and linked addresses removed...

sutton111

You have applied for a Vanquis card, have you received the card yet?

Innocent_Guy

sutton111 wrote: »

You have applied for a Vanquis card, have you received the card yet?

Yes got it about a week or so ago!

I must remember to pay in full !!!!!

sutton111

In the top right hand corner of when the card come it will give you your exact APR for cash withdraws and on purchases, it won't be 59.9% it will be a little less, I hope.

Innocent_Guy

sutton111 wrote: »

In the top right hand corner of when the card come it will give you your exact APR for cash withdraws and on purchases, it won't be 59.9% it will be a little less, I hope.

Hi sutton,

Im almost certian I recall 59% - I will go and check it in a mo - what is yours at?? I was speaing with never-in-doubt and he seems to think I may have hidden cifas markers therefore the highest tier!

sutton111

Innocent_Guy wrote: »

Hi sutton,

Im almost certian I recall 59% - I will go and check it in a mo - what is yours at?? I was speaing with never-in-doubt and he seems to think I may have hidden cifas markers therefore the highest tier!

Well that could be the case, unfortunately CIFAS don't have to show on your credit file, which I think is rather sneaky.

Did Vanquis ask you for ID to open the account?

To know for certain if there are any hidden it would be worth S.A.R them, it costs £10 and they have to by law send you everything they have on you, it takes up to 40 days.

I don't have a Vanquis card, I can't get one for some bloody reason either.

My Mum, Dad and Brother all have one and all live at the same address as me.

My Dads is 34.9% and my Mums is 45% and my Brothers is 47%. I have less outstanding debt than my Brother as well.

Bizarre and very frustrating. :mad:

LilacPixie

What is a hidden CIFAS marker??

Back to the OP, I had a vanquis for around 18 months, £250, £500, £1250 then 2k. Once i have 18 [0] on my file I applied with my own bank and was approved straight away.

Innocent_Guy

sutton111 wrote: »

Well that could be the case, unfortunately CIFAS don't have to show on your credit file, which I think is rather sneaky.

Did Vanquis ask you for ID to open the account?

To know for certain if there are any hidden it would be worth S.A.R them, it costs £10 and they have to by law send you everything they have on you, it takes up to 40 days.

I don't have a Vanquis card, I can't get one for some bloody reason either.

MY Mum, Dad and Brother all have one and all live at the same address as me.

My Dads is 34.9% and my Mums is 45% and my Brothers is 47%. I have less outstanding debt than my Brother as well.

Bizarre and very frustrating. :mad:

I will deffo S.A.R as I am now certian there will be incorrect info on there. I did have to send in ID. I know that T-mobile said they will cifas me when they removed the incorrect info from my credit file however I have never seen it on my files...... It is mad that Vanquis wont accept you. When did you last apply?

sutton111

LilacPixie wrote: »

What is a hidden CIFAS marker??

Back to the OP, I had a vanquis for around 18 months, £250, £500, £1250 then 2k. Once i have 18 [0] on my file I applied with my own bank and was approved straight away.

When the Company who added you to CIFAS requested it not to be shown to you on your credit file.

Innocent_Guy

LilacPixie wrote: »

What is a hidden CIFAS marker??

Back to the OP, I had a vanquis for around 18 months, £250, £500, £1250 then 2k. Once i have 18 [0] on my file I applied with my own bank and was approved straight away.

Hi Lilac,

If you dont mind how was your account run and when did you get your increases? Also do you pay full or min payment.