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vanquis
vintagegirl
Posts: 769 Forumite
i have a default with vanquis for £242.
if i call them and pay this in full would they be able to remove from my credit report?
anyone have any experience of vanquish doing this?
if i call them and pay this in full would they be able to remove from my credit report?
anyone have any experience of vanquish doing this?
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Comments
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vintagegirl wrote: »i have a default with vanquis for £242.
if i call them and pay this in full would they be able to remove from my credit report?
anyone have any experience of vanquish doing this?
You can ask but they dont have to do that, it may well stay there but be marked as settled as its a true reflection of how you ran your account.0 -
It is unlikely they will remove the default as it is an accurate statement of your account at the time it was applied.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Why would they?
How did you get into this situation with them?0 -
Just seen you other post:
https://forums.moneysavingexpert.com/discussion/5788520
I guess you're struggling to manage your debts and are now looking for a way out unscathed?0 -
Vanquis won't do that, they will also sell your debt on if it remains unpaid - its their business model : Higher APR cards, accept higher risk customers and quickly shift once they default to minimise extra costs.0
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You can ask but I doubt they would amend a true reflection of how your account was/is managed.
The settled status will be better than just leaving it as it is.I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
Just seen you other post:
https://forums.moneysavingexpert.com/discussion/5788520
I guess you're struggling to manage your debts and are now looking for a way out unscathed?
A not uncommon story of using, then avoiding, debt to finance a lifestyle that cannot be afforded.
£53 a month for an iPhone 6S on contract. OP's recovering bankrupt partner is spending a similar amount.
They're now scratching around for a mortgage. OP is trying to massage her credit files so they only show two defaults. :rotfl:
Having said that, OP was spending £91 on two mobile phone contracts for herself in 2014, so I guess £53 a month is an improvement.0 -
thanks for your 'helpful' comments snow tiger.
wrong about the iPhone contracts though but assumptions always an interesting trait.
don't remember saying i was 'scratching around' for a mortgage either :rotfl::rotfl:0
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