Halifax AIP what does it look for?

Hi..me again

We have had an agreement from the Halifax which after reading through the forums I am now believing it will be a waste of time. I know it only looks at the last 3 years..however if I have an open account that is still registered to an old address will the last 3 years have shown up on the check even although it is not at my current address?

Saying that I have also read that they don't pick up on late payments at this stage either..is that correct?

Seem to be doubting my broker more and more the more I read and am now thinking we could have done better ourselves as the Halifax rates are higher with higher product fees. I could see the point if he was certain the Halifax was better for us due to the late payments but to be honest I don't think he is taking them seriously as I have to keep asking him about them. I do understand he can't say yes or no definitely but I did hope that a broker would help us in this situation as my report isn't as good as I would have liked it to be..he seems to not be taking it into account.