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Vanquish & credit file question

Hi all my first post.
I was discharged BR in 2007, I've been really good since only got vanquish and csl finance and phone contract
I've got £2000 limit on cc, I pay 1500 on it every mth, and leave £500 on it for rainy days.
I've had csl finance for 18mths paying £100 a mth it finishes in jan 13.
What I would like to do is get rid of vanquish for a better rate card but a bit wary of trying as I don't want to rack up searches, I'm with Barclays I've a debit account they won't upgrade my account or give me a better card.
Is waiting for march 2013 for bankruptcy to drop of credit file best? Or is there a better and quicker solution out there what I'm not aware off?
Thanks guys

Comments

  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    I am sure Aston Martin wouldn't be to pleased with you using the word VANQUISH instead of VANQUIS.
  • sharpy2010
    sharpy2010 Posts: 2,471 Forumite
    I am sure Aston Martin wouldn't be to pleased with you using the word VANQUISH instead of VANQUIS.

    Its amazing how many people make this mistake.

    Mind you, reading some of the adverts on eBay makes you wonder if we're a nation of illiterates!
  • RichL74
    RichL74 Posts: 938 Forumite
    Eighth Anniversary 500 Posts Combo Breaker
    I would wait until the bankruptcy come off.
  • If you're paying the balance of in full each month it doesn't matter what the rate is.
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
    The Lord Giveth and the Government Taketh Away.
    I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
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