Can anyone help me please I have questions about vetting??

NateDogg

Lantern Swinger
Hello all,

I have sent off my vetting form about 2 weeks ago now and in this time I have been shopping around for a finance quote on my new car, not knowing that apparently this leaves foot prints on your credit and effects your credit rating! I called around 4 companies looking for the best interest deals thinking this was a wise thing to do. Someone had told me they were refused a mortgage from a similar issue of applying for different credit and not even using it. Would this effect my vetting with the navy?? or is this just the finance side which would pop up? maybe I'm being daft and worrying but its worrying me a little thing like shopping around the best interest rates could maybe fail my navy vetting, I hope not! :(
Any info would be great cheers!
 

Richbomber

Badgeman
It would only cause problems if you were in serious debt. Someone could have a lot of debt but still have a good credit score, this could be a problem for vetting if they thought it was a problem debt and if they thought it could be used against you with criminal intentions ect. Most people have some sort of debt though. Don't worry about it if you don't have a problem.
 

NateDogg

Lantern Swinger
Thanks for reply mate, no I have no recent debt always pay everything on time and only my new car which I'll be paying monthly for but no overdue payments anywhere, it was just the company told me that ringing different finance firms could leave footprints and cause issues when they do soft and hard credit searches on me, making my credit go down, hopefully I'm just getting too deep and this means nothing, was only looking for the better deal. Also do you know how long it takes usually to come back? Mines been 2 weeks, then just waiting on my PRNC, thanks ! :)
 

Ninja_Stoker

War Hero
Moderator
SC takes about six to eight weeks for those resident in UK for the preceding 5 or more years.

The credit checks are for defaulted payments, CCJs & bankruptcy. Loan applications aren't an issue but your committed outgoings should ideally be less than half your projected income.
 

NateDogg

Lantern Swinger
Thank you, well I had a stint in Australia for the first 2 years and 3 months out of the past 5 years, but been in the U.K for the remaining of the time. So maybe this might take longer? I think my afco mentioned I may need a waiver but not heard anything as of yet so maybe it's fine. I have all addresses, Australian police check and info if needed.
My monthly outgoings are around 1 third of my monthly income maximum so hopefully this is ok! No behind debt just the applications leaving footprints worrying me. Thanks again
 

Ninja_Stoker

War Hero
Moderator
If you've lived for a single period of more than 180 days outside of the UK in the five years preceding an application, you'll need a residency waiver in order to gain security clearance. It's meant to be submitted around the same time as you initiate security clearance by completing the online application. The application won't be processed without the submission of a waiver.

We have a reciprocal agreement with Australia but I've known SC take four or five months in such instances.
 

NateDogg

Lantern Swinger
In this case I will get intouch with my AFCO the next chance I get, he told me I should be ok and he will get straight on to it but in the mean time fore me to get my SC sent off as soon as possible. I gathered my Aussie addresses and any other things they may want to see so if they do request it I have it ready. I was just travelling around not actually settling in any one place. Hope it doesn't take that long! Been looking forward to going on PRNC, also they said I should have my date for Raleigh for September 2017 at latest, hope this SC doesn't set me back! :( thanks for the info I appreciate it
 

Ninja_Stoker

War Hero
Moderator
In this case I will get intouch with my AFCO the next chance I get, he told me I should be ok and he will get straight on to it but in the mean time fore me to get my SC sent off as soon as possible. I gathered my Aussie addresses and any other things they may want to see so if they do request it I have it ready. I was just travelling around not actually settling in any one place. Hope it doesn't take that long! Been looking forward to going on PRNC, also they said I should have my date for Raleigh for September 2017 at latest, hope this SC doesn't set me back! :( thanks for the info I appreciate it
Sounds like you have the necessary info for a waiver to be requested, the AFCO re-opens on 3rd Jan.

If you've had a guestimated September entry date, I'd be surprised if SC delayed your entry date if the waiver is underway in January.

Anyway, best of luck & happy Chrimbo.
 

NateDogg

Lantern Swinger
I really hope so I'll give them a call in the new year then,
Merry crimbo to you too hope it's a good one!
 
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