CCJs, defaults and missed payments

CCJ

• No more than 1 CCJ with a total value of £300 or less, registered in the last 6 years.

Defaults

• No more than 2 defaults with a total value of £250 or less, registered in the last 6 years.

Missed payments: (Secured, unsecured and mortgages)

• Secured loans: No more than 1 missed payment on 1 single account in the last 24 months.
• Unsecured credit: No more than 2 missed payments on 1 single account in the last 24 months. In addition to this, the latest recorded payment must have been made. Including:
  • Communications
  • Utility
  • Fixed Term
  • Mail Order.