Easy Acceptance Catalogues
We guarantee that your application for this Catalogue will be accepted with a Credit Limit of up to £2500
Which Catalogue is the Easiest to get accepted for?
Easy acceptance catalogues
We often get asked which Catalogue offers the easiest acceptance?
If you don't fancy a long read and want a quick answer check out this great catalogue.
Guaranteed Catalogue with no credit check
No Credit Check Catalogue with a guaranteed credit limit of up to £2500, instant decision and bad credit welcome. Apply today
It often indicates that the potential customer has some kind of credit problems or is worried about the credit approval.
This could mean the customer has missed repayments or has County Court Judgements, Defaults or other credit nasties.
Sometimes it could be as a result of not having any credit or maybe making too many Credit searches in a short period of time.
Each of the above will lower a person's credit rating. This means that an application to a Catalogue company may be affected or any other form of credit for that matter.
Catalogue Credit Scoring
Every Catalogue company has a different Credit Scoring policy.
Although in our own opinion it's true when people say Catalogue companies will accept people with some negative credit history.
That being said, Credit Scoring with each company is always secret and does change often, Otherwise, people would know what to answer to guarantee acceptance.
Bad Credit Catalogues
The first and most important thing is to take a look at your Credit report to see what's going to cause you some issues. Each application you make for credit will register a Search on your Credit report.
If your credit report is showing missed repayments then take a look at how long ago this way. The longer the better.
This goes for Defaults and County Court Judgements.
The older they become the less important they will become, unless a Catalogue company has a strict policy of not accepting customers that have County Court Judgements as an example.
If your problem is too many searches in a short period, this isn't as bad as missed payments or defaults/ccj's. However, it's always best to keep searches down to 1 or 2 maximum in a six month period, otherwise, lenders may feel you are desperate for credit, this sends alarm bells to potential lenders.
If your credit report is not showing payment problems or too many searches yet you are finding it hard to be accepted, this could be down to Affordability.
Take a look at the available/open credit accounts you have elsewhere, this includes Overdrafts, Credit Cards, Personal Loans, Car finance etc.
Compare the outstanding and available credit compared to your income.
As a general rule, the more you owe and the more available credit you have the less the chance a future lender will be willing to offer more credit.
If your affordability is good and you don't have payment problems or too many searches, then it could be something else affecting your Credit history.
There could be a fraud warning on your Credit report, you can find out if that's the case here.
You could also be providing different information to a lender than you have previously. You can find out more about that here.
If you still cannot put your finger on the issue then you do have the right to ask for an appeal on any Catalogue company that has rejected your application, it could be something very innocent that's stopping you get approved.
If you have had payment issues (including Defaults) or maybe too many searches against your name, you could try a Catalogue application with Look Again, they can accept customers with a less than perfect credit history.
JD Williams can also offer customers with a less than perfect credit history a catalogue, but they are more expensive and can charge as much as 59.9% interest.
JD Williams approved our application for a Catalogue when we had both defaults and more than the average searches against us.
Although each circumstance is different, the starting credit limit was low, but within 6-12 months our limit was several thousand.
Another option is to get the items you need via a company like Dial-a-Tv, they don't just offer TV's, they offer a wide range of computers, electrical products, gadgets and more and they offer people with previous credit problems the credit they need. You can even pay weekly or monthly.
In fact with Defaults we managed to get accepted for a Look Again Catalogue and a JD Williams catalogue.
We did find Freemans, Very and Littlewoods refused our application until our Defaults had fallen off. That being said, Freemans have taken on customers with previous credit problems too.
Again, this will vary for each application as income levels, age and even Marital status will affect the Credit score.
Feel free to share your experience below.