no, he would find it very difficult to get a loan from a mainstream lender under those circumstances. The fact that he has a CCJ says that it's been to court so why did he not dispute it at the time? The other debts you mention are they debts being repaid under their normal repayment process or are they being repaid after defaulting in the past? Essentially any non payement of a debt in any form, even a late payment for a credit card bill will make the aquisition of credit more difficult and in the case of missed payments very difficult. Good regular earnings are relevant only to the amount a lender will lend, thay are more concerned about the tendency or otherwise to reliably make regular payments.