Catalogue Guides

Before Applying for a Catalogue Account

Check  your Application before your Submit

Please do not be tempted to use any false information when you make an application for a Catalogue (or any other type of credit for that matter).

We know 99% of our visitors wouldn’t dream of it, but desperate people will try desperate measures in the hope of getting an order accepted. It’s not going to improve your chances of success. In fact, it can make matters a lot worse.

Lying about previous addresses can lead to serious problems

Making an application for any type of credit using a false information such as changing your date of birth or saying that you have lived at an address longer than you have is easy to spot. If the Catalogue company suspect fraud, they will report it to CIFAS. This information will be held on file for up to 6 years. According to Message forums, Some people with CIFAS warnings have found it impossible to open any lines of credit and have suffered with accounts being closed down. Even things like Basic Bank Accounts.

Law Enforcement agencies can access information on the Fraud Databases.

Fraud & Other Checks when you make an application for Credit…

When you apply for a Catalogue or any kind of Credit, the company you are applying to may run additional checks. One of those checks it can run is checks with a company called National Hunter.

National Hunter store information you provide in applications.

Example

So if you applied for a Credit Card last week and told them your income was £50,000 but today when you applied for a Catalogue you entered your income to be £20,000, National Hunter could Flag up a discrepancy and your application for a Catalogue will be referred for further checks.

What checks do Catalogue companies make

So never lie about Salary, Outstanding Debts, Employment Status, Marital status, Age etc. Just be honest, if you are not accepted for the Catalogue you want, look at ways of improving your Credit Rating or select a Catalogue from our Bad Credit Catalogue section.

If you are thinking about applying for a Catalogue with Credit but are not too sure because of previous credit problems, rest assured, Catalogues do approve applicants with less than perfect credit. It’s sometimes common for our visitors to have a better credit file with a certain Credit Reference Agency, if this is the case, we are delighted to provide you details with which Catalogue Search which Credit Reference Agency here.

We will be happy to hear your thoughts

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