I had a vanquis credit card and unfortunately defaulted on it. I paid the default immediately back in Nov 2011. I have reviewed my credit report with all equifax, experian and call credit in march 2013 to find that Vanquis had not noted the account as settled. It still shows with an outstanding balance and no payments for 23 months!
I have written and called vanquis to no avail and the CRA's are struggling to get the dispute rectified, Vanquis wont note it as a satisfied default, only partially settled.
Credit building cards..yeah right
I have had the Granite Card for about 6 months and although it is a little more expensive than most I am gratefull a lender out there is allowing people such as myself to build a good credit rating.
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