Assessing Your Credit History

As part of each application, we assess your credit history. We apply the following criteria:

• No bankruptcy/IVA in last 72 months.
• No CCJs or defaults in last 72 months*
• No missed payments on secured commitments in the last 72 months.
• No voluntary enforced possession.
• An up-to-date UK credit report.

*Subject to satisfactory explanation, a previous historic satisfied CCJ or default can be considered if amount was less than £500 and more than 36 months ago.