electoral roll duration

W.G

OK so I've registered on the electoral roll. Does it matter how long you've been on it or at your address for or is being on it enough to have an impact on my rating?

Instead of making multiple threads I'll just ask my other questions here too if anyone can help.

Vanquis specialize in credit cards for people with poor credit, but I'm sure I remember someone saying that they don't accept people with unsettled defaults. Is there any truth in this?

Also - adding notes to your defaults. How does this work?

madmoney_2

W.G wrote: »

OK so I've registered on the electoral roll. Does it matter how long you've been on it or at your address for or is being on it enough to have an impact on my rating?

Instead of making multiple threads I'll just ask my other questions here too if anyone can help.

Vanquis specialize in credit cards for people with poor credit, but I'm sure I remember someone saying that they don't accept people with unsettled defaults. Is there any truth in this?

Also - adding notes to your defaults. How does this work?

hi there, not sure about the electoral thing or the defaults, just wanted to say n one question - why do you want another cc? surely if this company specialise in bad credit ratings the interest will be sky high?

immoral_angeluk

W.G wrote: »

OK so I've registered on the electoral roll. Does it matter how long you've been on it or at your address for or is being on it enough to have an impact on my rating?

Instead of making multiple threads I'll just ask my other questions here too if anyone can help.

Vanquis specialize in credit cards for people with poor credit, but I'm sure I remember someone saying that they don't accept people with unsettled defaults. Is there any truth in this?

Also - adding notes to your defaults. How does this work?

For the love of god don't get a vanquis card.... their typical apr is 39.9%!!!!!!!!!!!!!!!!

As for the electoral roll the longer you're on it at one address the more settled you look and the less of a risk to the creditor.. not sure about the defaults though sorry..

W.G

Cheers for the replies

madmoney - I have no other credit cards, I plan on getting a vanquis to help rebuild my credit as I have 3 settled defaults. Two of these are to be removed and one I am in dispute about as I was wrongly charged in the first place (hence me wanting to add a note next to it to explain this).

W.G

***bump***

Floss

I think you have to write to the credit reference agencies to have a note put onto their record.