I have one default on mine at the mo that is due to drop off in 2012 and a few late payment red marks from ages ago too. I had to have a gurentor and needed the full amount bar £200 for my deposit, they came back to me and said that they can’t offer me the full amount so I have had to find another £950..hence I am SKINT this month!!! My hubby to be guaranteed for me, he earns a lot and owns his own house but they still didn’t offer me the full amount. I don’t think they have a set criteria to be honest and it goes on a case by case basis. I think they look at you bank statements to see if you have money left at the end of the month and have been paying stuff on time. Weirdly neither myself or my partner were credit scored
well thus nothing showing on either of our history, yet. xxx