Vida | Does your customer have a complex credit history?

Does your customer have a more complex or heavier adverse credit history, that is outside of even some specialist lenders criteria?

Do you need extra support submitting a trickier case?

Our Packager Partners within our Premier Packager Club can help you to access our most specialist adverse products and criteria!

Criteria Highlights

All defaults and CCJs of £250 or less are ignored
CCJs and defaults higher than £250 considered within last 6 months
Worst status Secured Payments* considered
Missed unsecured payments more than £250 in last 6 months considered with no maximum
Bankruptcy / IVA / DRO / Trust deed considered 1+ year
Those with previous repossessions considered at 3+ years

*All historic secured arrears must have been made up to date for at least 6 months prior to application

Debt Management Plan/Debt Arrangement Schemes may be considered at Underwriter discretion – subject to satisfactory affordability and conduct checks.

Got a question?

V-Hub has the answer!

Get in touch with the V-Hub, where you can speak directly to an Underwriter.

Call: 03300 246 246