Next step from Vanquis?

peachyprice

Sam_G wrote: »

Maybe the IVA mark in my Experian file is the major negative for my case perhaps?

It'll definitlely be the IVA tha's causing the problems. It's pretty much as bad as bankruptcy while it's on your credit file, your defaults pale into insignificance compared to that.

doelani

I started with Vanquis and Aquacard about 6 months after IVA finished ( 3 years only so defaults still shoing ) and then progressed to Capitalone, then Ulsterbank (RBS)and now Silvermastercard ( sygma)

Hubby and I both got Silver and Ulsterbank.

Sam_G_3

peachyprice wrote: »

It'll definitlely be the IVA tha's causing the problems. It's pretty much as bad as bankruptcy all the whole it's on your credit file, your defaults pale into insignificance compared to that.

Árse.

I guess I will have to wait another 2 years for the IVA to go from my credit file before applying for "normal" credit then!

Oddly enough it only shows up on my Experian file (not Equifax) - not sure about CallCredit though?

peachyprice

I suppose you could start a new thread called 'Which CC's do not search Experian'

Sam_G_3

Well according to Underground's thread here I could possibly try:

• Barclaycard (although their pre-application check said no already)
• Monument (not accepting new applications apparently)
• Nationwide
• Northern Bank
• Vanquis (already with them LOL so no)

So much choice... :rotfl:

PNPSUKNET

sygma only search equifax

notmyrealusername

doelani wrote: »

I started with Vanquis and Aquacard about 6 months after IVA finished ( 3 years only so defaults still shoing ) and then progressed to Capitalone, then Ulsterbank (RBS)and now Silvermastercard ( sygma)

Hubby and I both got Silver and Ulsterbank.

Can I ask how many years after the start of the IVA you were accepted for the Silver Sygma and Ulsterbank ie was it still on your credit file?

I have recently completed an IVA by way of Full & Final settlement after 3 years, I got accepted by Vanquis a few weeks ago so will hopefully be able to move up the ladder as time goes on. I don't need the credit but am trying to strengthen my file for when the defaults and IVA drop off in order to obtain a mortgage. Just looked at the Sygma site though and it says:

Finally, you need to have a clean credit history, ie, no arrears, defaults, County Court Judgements (CCJs), bankruptcies or Individual Voluntary Agreements (IVAs).