If you have a poor credit score you can still buy items using a credit catalogue, but your choices are limited compared to someone with an excellent credit rating.
Not all catalogue companies are the same and each have a different credit checking criteria; so while one company might offer you credit, the next one may refuse you.
The best shopping catalogues for people with bad credit is BrightHouse.
You will find they are much more sympathetic to your situation compared to the other credit catalogues listed on this website.
Who are they?
With over 250 stores all around the UK and serving a customer base of more than 285,000 customers, it’s no surprise that BrightHouse are considered the nation’s most popular rent-to-own retailers.
All products are available on a flexible finance program allowing you to spread the cost of your shopping by paying in weekly or monthly installments.
Their extensive catalogue allows you to choose from a variety of items including:
Are BrightHouse the best catalogue for bad credit?
Regardless of your credit status, BrightHouse will consider all applications and are one of the easiest credit catalogues to get accepted for.
Although you are by no means guaranteed for approval, you are much more likely to be approved for a credit account compared to other companies such as Littlewoods, Very and Grattan.
All customers receive:
- Free Delivery within seven days
- Free Installation and set-up
- Free Repair or replacement service
To see if you qualify, you can apply online at www.brighthouse.co.uk, or alternatively pop into any of their high street stores the next time you are in town. Click here to see if there is a store near you.
Any alternative companies?
It’s important to pick the best catalogue that fits you and your circumstances. If for whatever reason you are unhappy with using them, unfortunately, there are not that many options available for customers with bad credit history.
The table below lists a number of catalogue companies which all belong in the N Brown Group. The companies that fall into this group, tend to be slightly easier to get accepted for compared to retailers in the Shop Direct Group (Littlewoods, Very, K&Co.). BrightHouse are probably your best chance if you are worried about your credit score.
Shop Direct Group Catalogues
|Catalogue||What Can I Buy?||More Info|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Over 50's, Children's Clothes, Home & Garden Electricals, Footwear, Beauty, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Children's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Women's Clothing, Accessories, Footwear, Lingerie||Shop Now|
|Plus Size Clothing, Men's Clothing, Accessories, Footwear, Sports, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Accessories, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothing, Over 50's, Men's Clothing, Footwear, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Gifts, Jewellery, Toys, Electricals, Home & Garden, Children's Clothing||Shop Now|
Tips on applying
This may seem obvious, but when applying, make sure you pay attention when entering your personal information. This is an important step to getting approved, so be sure to double check your details so everything is completely accurate. Any incorrect information can cause you to be immediately disqualified and you will not get an account.
Customers who are on the electoral role are more likely to be accepted for credit than those who are not. Many people assume they are already registered to vote, but this is not always the case. Contact your local electoral council and make sure you are registered to vote at the correct address.
Credit scores can be affected by many different factors but are mostly related to the types of debt you currently have and your repayment history in the past. You can view your personal credit report from the main agencies such as Experian and Equifax. Credit score ratings are rated between 0 -1000 with the typical score for people in the UK somewhere between 300 and 850. Of course, higher scores are better, and lower scores are worse.
A score in the high 600’s is considered about average, but it will be harder to get credit at 680 than it will at 720. With most types of finances products, the worse your credit score, the more you have to pay. This is typical with products such as loans, credit cards and mortgages.
Improve your credit history
Pay monthly catalogues are ideal for this. You can repay your items with a small affordable payment each month and each time you do so, the transaction will be noted on your credit file . This will help strengthen your chances of getting finance in the future.
No credit check catalogues
Note that there are no such things as no credit check catalogues and your best bet is to apply with the above companies and hope for the best. You may have a smaller credit limit to start with, however, once you have made regular repayments on time, you may be offered a higher credit limit and better payment terms in the future.
If you need a specific product like a new sofa, laptop, freezer, don’t let your bad credit history keep you from shopping online. It’s a win win situation – you can get the products you need and you can improve your future credit rating at the same time.