If you have a credit score that is less than the average person you may find yourself being refused a credit account with a UK catalogue. What you need is a catalogue that approves people with a bad credit rating. Luckily there are a few but it's important to first identify why you have a poor credit history and attempt to fix things before you start borrowing more. In some cases, your low credit score may be down to you having never borrowed. In these cases a bad credit catalogue may accept you, which could then allow you to start building your credit score, as long as you make all your repayments on-time that is. Let's take a quick look at catalogues for people with a low or bad credit score. When applying for finance of any kind, the lender will almost always do a credit check on you personally. This will tell them whether you have a good or bad credit rating. If your credit rating is particularly bad you may be refused a credit account. If you're approved you will most likely be given a higher than average interest rate as well as a lower credit limit. These are just some of the problems that come with having a poor credit history. The first barrier is finding a lender that will approve you for a finance plan. The reason that catalogues are an ideal place to start is that they tend to have much higher acceptance rates than other lenders like credit card providers and mobile phone networks. This makes them a great place to start when trying to rebuild your credit past! Some catalogues are more lenient than others however. With this in mind, we have found the best bad credit catalogues for you. All of these catalogues offer some form of credit. The majority will allow you, once accepted, to spread the cost of your purchases and pay back what you owe in monthly or weekly installments. These so called pay weekly or pay monthly catalogues are the most common credit catalogues. There are also a few buy now pay later catalogues which will allow you to pay nothing at all for a set period of time. Our research has shown that the catalogues below are far more likely to approve you than others, however, please remember that there is no such thing as a guaranteed credit catalogue! Just because the merchants below are more lenient, it does not mean you will get accepted.
- Dial a TV