Hi

Halifax will look at 2 things.1) Your credit rating 2) Your profile within halifax.

How have you been as a halifax customer? Have you had failed direct debits, gone over drawn, over spent or stayed in over draft for a while. Does your account look like a person that lives from pay to pay or do you have money in your account at the end of the month? All this will reflect how halifax profile you......

So I would say no not right now as you have a default still active till the end of the month. You also have 2 defaults (satisfied) but they are still defaults till 2010.

Do you have any other credit accounts that will show you as responsible for credit like a mobile phone contract? This is a must to improve your rating and also ensure you are on the electoral register.

I had a 100% credit rating after clearing it of defaults, but as one was for halifax (that i did clear after a year, credit card debt), even though my credit rating was clear and they got the money back they wont give me an upgraded account. I earn 1500+ a month, had savings of over 10K and never in over draft or missed payment for 6 years and they turned me down. I went to Natwest who gave me a top current account and after 6 months they are offering me a credit card.....

All you can do is try so its up to you and it will only leave 1 mark on your rating + you can appeal if its referred or declined.

Good luck either way.