Ikano and store cards

Bosie

Was wondering if Ikano are pretty strict issuing store cards like the Ikea card and New Look? Also, what is the usual length of time they search on. for instance is it a minimum 3 years credit history?
I have over 5 years of decent history.

I imagine the computer asks the CRA in the last 3 years has there been defaults,ccj's bankruptcy. Or could some want to know a full 6 year history.

Innocent_Guy

Bosie wrote: »

Was wondering if Ikano are pretty strict issuing store cards like the Ikea card and New Look? Also, what is the usual length of time they search on. for instance is it a minimum 3 years credit history?
I have over 5 years of decent history.

I imagine the computer asks the CRA in the last 3 years has there been defaults,ccj's bankruptcy. Or could some want to know a full 6 year history.

I am unsure of how strict they are however they will ask the CRA for a copy of your current credit file. This will return 6 years worth of data. Whether the lender is only interested in the last 3 years is a different story however 6 years will be issued.

Bosie

Innocent_Guy wrote: »

I am unsure of how strict they are however they will ask the CRA for a copy of your current credit file. This will return 6 years worth of data. Whether the lender is only interested in the last 3 years is a different story however 6 years will be issued.

What confuses me, in my case I've still got bankruptcy on my files, it will drop off in a few months, yet I've manged to get the accounts listed on my sig below. I don't understand it to be honest, that's why I thought they may only check around 3 years.

although banks probably do the full bit:o
Many moons ago I used to have a New Look card and it was issued by GE money, surprised Santander didn't take it over.