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Can I get a Pay Monthly catalogue with bad credit?


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So you have missed some repayments, made too many applications for credit or have Defaulted on your Credit agreements. This means you Credit Rating has suffered. To rebuild your Credit Rating you need to show good, reliable repayments. However, a little like a Cut to your arm, the first thing you need is some time to let the problem heal.

All missed payments, defaults and CCJ's are recorded for a fixed term of six years. If you have suffered financial problems in the past 12 months, it's unlikely anyone will take the risk to start lending to you.

As time passes, things do improve slowly. Lenders like to know you are able to make your repayments, it doesn't matter if the Lender is Main Stream or Sub Prime. They have a Legal requirement to lend responsibly.

Lending money to someone who has missed repayments in the past 12 months isn't sensible, Lenders will worry you are over stretched and therefore should decline your application.

As we say, Time is a healer. Once you pass that 12 month basis and you have kept up with all of your agreements, you stand an improved chance of being accepted.

Prime Lenders are unlikely to lend to anyone who has had severe problems, such as CCj's, Defaults and the like. You can pretty much rule that out until those Black marks are removed from your Credit file.

Sub Prime lenders will look at a way they can lend to you. This includes Catalogue companies who are often open to lending to people who have some credit problems.

Check out our Catalogue page for full details




Dad of 7, including Autistic Twins, first hand experience in Credit problems following the challenges faced with having Autistic children. (Unable to work due to supporting their needs, My credit rating became what can only be described as wrecked) Using my own experience, Credit 4 Everyone was born. A website dedicated to the rebuilding of a UK credit rating. The site was born providing the struggles in getting accepted and as things improved, the challenges one faces in maintaining a good credit rating. On this website you will find information regarding Pay monthly Credit catalogues, buy now pay later, mobile phone contracts for bad credit, current account options when your credit rating stops you getting even the most basic of services and personal loans/car finance. I will share my own experience which shows you how I built a credit rating with an Experian credit score of 120 and Equifax of 90 to a Credit rating both rated as Good in 2 years. How you can rebuild your credit rating, the companies that will help you on the journey and how things can improve. About the website Pay Monthly Catalogues with Credit, Buy it now pay later, Guaranteed Mobile phone contracts and Guaranteed no credit check bank accounts. Credit 4 Everyone specialise in helping people with bad credit get the credit they need. We offer Financial products and services for everyone and work hard to review products, our aim is in Helping you get accepted with our helpful hints and tips.

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