Soft Credit Search
Terms & Conditions


Please read below for our Soft Credit Search Terms & Conditions


Terms & Conditions

1. Important


Please read these Terms & Conditions carefully. By completing and submitting the Vanquis soft credit search application form you accept and agree to these Terms & Conditions.


For the purposes of these Terms & Conditions, ‘we/our/us’ means Vanquis Bank Limited (Company number 02558509) whose registered office is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU and is a member of the Provident Financial group, a financial services group specialising in the provision of short to medium term retail consumer finance. 


2. What will we do?


2.1. A ‘soft credit search’ allows lenders to check your eligibility for credit without affecting your credit scores.


2.2. Vanquis uses a ‘soft credit search’ along with its credit scoring methods to check your eligibility and assess whether you would be successful if you decided to apply for a credit card issued by Vanquis.


2.3. A ‘hard credit search’ can affect your credit scores as it may be used by other lenders to determine your eligibility for credit. Please note that a Vanquis ‘soft credit search’ will become a ‘hard credit search’ on your credit report if you decide to apply for a Vanquis Credit Card and that application is successful.


2.4. As part of the Vanquis ‘soft credit search’ service, if you do not become a Vanquis customer straightaway, we will keep and may use the information you’ve submitted to review your credit file in future (using a ‘soft credit search’ which won’t affect your credit scores) and we may contact you (by email, post, social media, telephone and/or SMS) about similar Vanquis products and services for example including our credit tracker service.


3. When does the Vanquis soft credit search service start and when does it end?


3.1. The Vanquis ‘soft credit search’ service will commence when you submit your information on the Vanquis ‘soft credit search’ form.


3.2. The Vanquis ‘soft credit search’ service may end when either:


3.2.1. you become a Vanquis customer; or


3.2.2. you tell us that you don’t want to use the Vanquis ‘soft credit search’ service anymore; or


3.2.3. three years after you submit your Vanquis ‘soft credit search’ form to us;


whichever is the earliest.


3.3. If you want to stop using the Vanquis ‘soft credit search’ service please call our customer services on 0330 099 3000* and we will remove your information as soon as reasonably practical.


3.4. We may also refer to the Vanquis ‘soft credit search’ services as ‘Express Check’ on our website and other communications.


4. Things to keep in mind:


4.1. Credit may be subject to: status; telephone contact; confirmation of name, address and contact details; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud; is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g. because of bankruptcy.


4.2. The result of your Vanquis ‘soft credit search’ is a good indicator of whether you would be approved for a Vanquis Credit Card. However we may be unable to open your Vanquis Credit Card account if:


4.2.1. we are unable to successfully complete affordability, fraud and money laundering checks or the telephone call we need to make to you to complete the application process (our ‘Welcome Call’); or


4.2.2. you change any of the information you provided to us in the Vanquis ‘soft credit search’ form or otherwise; and


4.2.3. in some cases we may also require Direct Debit details before we can open your Vanquis Credit Card account.


4.3. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.


5. Use and Storage of your Information


5.1. We will use your information to provide you with the Vanquis ‘soft credit search’ services.


5.2. When you use the Vanquis ‘soft credit search’ service we will process, by computer or otherwise, personal information about you whilst we are assessing your application. When assessing your information, we may use credit scoring or other automated decision making facilities.


5.3. We will keep your information securely and will not keep it for longer than is necessary and as described in clause 3.2 above.


5.4. If you decide to apply for a Vanquis Credit Card you will be provided with further details about how your information will be used and shared in order to progress your application.


5.5. We may also assess whether you would be eligible for an alternative or similar credit products, such as a personal loan. If such a product is available to you, we will contact you about that product.


5.6. We may monitor or record telephone calls for security and staff training.


6. Sharing your Information


6.1. We may have obtained your information from: you; credit reference agencies; fraud prevention agencies; other Provident Financial group companies; third parties specialising in data verification; or marketing lists provided to us by other third parties.


6.2. We may search your credit record at credit reference agencies, fraud prevention agencies or other relevant sources ("the agencies") in relation to your application, and they will supply us with credit and/or identification information.


6.3. Credit and identification information about you and those with whom you are financially linked, which is provided to us and the agencies, may be used by us and other companies to make credit decisions about you and other members of your household. Where we use a third party to verify any information we have about you, any of this information may also be used for identification purposes, debt tracing and prevention of money laundering. We will update your information with any data we receive from a third party where they have provided us with a data verification search.


6.4. For the purposes of credit assessment and analysis, and to provide other products and services to you, your information may be shared within our agents, processors and sub-contractors; any of our approved suppliers; the police, if required by law; any relevant regulatory authority, if required by law; and/or anyone to whom we transfer or may transfer our rights and duties under this agreement.


7. Your Rights


7.1. If you want to stop using the Vanquis ‘soft credit search’ service please call our customer services on 0330 099 3000* and we will delete your information as soon as reasonably practical.


7.2. If you do not want your information to be used for marketing purposes, please write to our Customer Service department at Vanquis Card, Customer Service, P.O. Box 399, CHATHAM ME4 4WQ or telephone us on 0330 099 3000*. You have a legal right to prevent your information being used for direct marketing purposes.


7.3. You have a right to receive a copy of the information we hold about you if you apply to us in writing to Vanquis Card, Customer Service, P.O. Box 399, CHATHAM ME4 4WQ. We will require you to pay us a £10 fee. You are also entitled to request that any inaccurate information be amended or deleted.


7.4. We may update and amend these Terms & Conditions at any time by updating this page and such changes are binding upon all visitors and customers to this website.


* Call Charges: Calls to 01 and 03 numbers from UK landlines and mobiles are normally included in free plan minutes if available; otherwise calls to 03 numbers cost the same as calls to 01/02 prefix numbers. Calls to 0800 or 0808 numbers are free from consumers’ mobiles and landlines. Call cost information correct as at August 2015. Opening Hours: 8am – 10pm Monday to Friday or 9am – 10pm Saturdays and Sundays.