CCJ’s/Defaults with an aggregate total of £500 or less, registered over 3 years ago and satisfied for at least 6 months can be considered.
Bankruptcy – discharged more than 6 years ago and no adverse credit within last 3 years will be considered on full application.
IVAs/Trust Deed – Registered over 6 years ago, must have been completed over 3 years ago, no adverse credit within last 3 years and satisfactory explanation will be considered on full application.
Repossession/voluntary surrender of property - not acceptable.
One missed payment on no more than one communication supplier, credit card, mail order or utility bill for no more than one month, can be considered providing the account has been brought up to date and a satisfactory explanation is provided.
No more than one over limit position on credit cards or current accounts during the last 12 months, which should have now been rectified.