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What to do if your application for a pay monthly catalogue is rejectedYou can still get a decision overturned
It might seem crazy but sometimes a short letter or email can actually overturn your decision.
We have created an entire page about appealing a declined catalogue decision, you can read it and try the appeal here.
You can even try one of our No Credit Check guaranteed catalogues
Why do Catalogues decline applications?
Catalogue companies will use a method called Credit Scoring when you apply for a Credit Catalogue account.
This means they will take all of the information you provided to them in your application and then use it with the information they receive back from Credit Reference agencies.
All of this information will be scored. This will determine if your application is approved or rejected.
Each Catalogue companies Credit scoring policy is totally secret and will vary from Catalogue to Catalogue.
Credit Scoring is designed to limit risk and to help them make a decision on how you will run and manage your Catalogue account.
Why your income and employment status are important
Your income, employment status, Your age and how many applications for credit you have made in the past year will be used to help them score your application.
Details of how you run other Credit agreements with other Credit providers now and in the past six years will be considered when making a decision.
If you have had any past dealings with the Catalogue company this may also influence the decision.
Credit Scoring changes on a regular basis. It’s main aim is to predict customers behaviour, spending habits and how they are likely fail into financial problems and default on the Catalogue account.
You could apply for a Pay monthly catalogue today and be rejected only to apply again two months later with the same details and be successful.
Although Credit Scoring is popular with lenders, it’s understandable that Some people find the concept frustrating.
Of course, Credit Scoring can occasionally make mistakes, usually when information held on a customers credit report is incorrect.
My catalogue application has been declined.
If you are declined when applying for a Catalogue account and can’t understand why, it’s always worth checking with all three of the Credit reference agencies to see what information they hold.
You can correct any mistakes with the Credit reference agencies.
Credit scoring has been used for many years on a range of financial products like Bank accounts, Credit Cards and Personal Loans.
It’s a great tool in predicting wherever a customer is going to be a good or bad risk for the Catalogue, but if you feel your decision is wrong you can appeal the decision, full details on making an appeal and the grounds for doing so are here.
No Credit Check Pay monthly catalogues
Some people may not be aware about No Credit Check Catalogues.
Although all Home Shopping (Catalogue companies) have a legal requirement to ensure both responsible lending and to confirm the identity of the person applying for credit.
There is no requirement to decline someone just because they have had previous credit problems.
In the UK there are some pay monthly catalogue companies who will look beyond your Credit history.
As long as you are not legally banned from borrowing (such as being bankrupt) you can still enjoy a Pay monthly catalogue with credit.
A no credit check catalogue can give you the spending power you deserve. Use it wisely and this could help improve your credit rating.
Catalogues with Guaranteed acceptance
This catalogue offers a guaranteed Credit limit of up to £2500 and a Guaranteed mobile phone contract to those who are looking to get back on the credit ladder.
The above Catalogues will consider those with very poor credit ratings, so if you have tried the mainstream Catalogues and have been rejected, be sure to check out the above Catalogues who are more likely to accept your application.
The Yes Catalogue operates a catalogue for people with poor credit. Currently the Yes Catalogue is not available, if it reopens we will add the link here.
Deluxe Gold Card Catalogue Account
The Deluxe Gold Catalogue was another poor credit catalogue for people with credit problems, this catalogue is not currently available to new customers.
Choice Freedom Card (catalogue) account
The Choice freedom Catalogue closed in 2017. If this Catalogue does reopen we will add a link here.