Are you one of the many people that have times when there just isn’t enough money left at the end of the month? Maybe the children need school uniforms, the washing machine breaks down and your telly goes bang all the same week; how are you going to afford everything? What about the new bed that’s needed, or the fridge that’s on the way out? It’s in common tricky situations like these that credit could really help.
Unfortunately if you’ve got a bad credit score then getting access to catalogues with credit or other sources of finance can be a challenge. Forget the idea of ‘no credit check catalogues’. Credit checks are always required when applying for any form of finance.
However, there are a number of avenues you can explore which will often get you the items you need as well as improving your credit rating over time.
Two companies which are worth considering if you are finding it difficult to get the credit you need are Brighthouse.co.uk and DialaTV.co.uk.
Whilst they are not a traditional shopping catalogue such as Littlewoods, Very, Grattan or Freemans, they have a much higher acceptance rate. Even if you have had troubles with your credit rating in the past, they may still be able to help.
BrightHouse
Brighthouse.co.uk is a furniture and white goods catalogue which specialises in providing products on flexible payment terms, particularly for people that find obtaining credit elsewhere a problem.
Being accepted for credit by Brighthouse.co.uk is a rapid, straight-forward procedure which can either be done online or at one of the many branches they have across the country. Once you’ve been accepted (and their credit criteria are extremely generous) you can chose from a great selection of goods which can be paid for on a weekly basis over a year or two.
As well as providing a good assortment of essentials, the company also offer a selection of mobile phones, games consoles and computers, so you can enjoy a superb range of entertainment all courtesy of Brighthouse.co.uk.
The delivery of Brighthouse.co.uk products, repairs and replacement if the product cannot be repaired are all included in the price. If there’s ever a time when you can’t afford the weekly payments (and everybody has times when finances are tight), Brighthouse.co.uk has a number of flexible solutions which enable you to get back on track with minimal inconvenience.
If you maintain your payment schedule, this shows on your credit record, boosting your attractiveness to other companies that offer credit over time. Many people find that after keeping up with their payments for a few months with Brighthouse.co.uk they can successfully apply to credit catalogues which previously rejected them.
DialaTV
If you find that many of your financial difficulties come from trying to maintain and repair outdated household appliances which are coming towards the end of their useful life, then DialaTV.co.uk could be just the company to help.
DialaTV.co.uk provides white goods, entertainment equipment, TVs, computers, games consoles and many other essential household items on a weekly rental basis.
They deliver, install and maintain the goods, so you need do nothing other than enjoy them and keep up your weekly payments. Payments can be done by direct debit, so you don’t even have to make a special trip into town or remember to pay; it’s all taken care of automatically.
For products which DialaTV.co.uk and Brighthouse.co.uk don’t supply, it’s worth looking for catalogues for bad credit with a credit account. There are a few online catalogues which advertise that there are no credit checks in order to access their goods, but the prices and credit terms for these are very uncompetitive and it’s often possible to be accepted by one of the more attractive catalogue companies for a credit account even if your credit score isn’t brilliant.
Simple and quick application
Both companies have an enormous range of goods on offer, enabling you to obtain many things that you need on a buy now, pay later basis. The application process can be done online and decisions are instant. The catalogue will want to verify you are who you say you are and determine your credit rating. This means you will usually need to submit data such as your employment status, name, address, whether you are on the electoral register and your date of birth.
Refused credit?
If you’re not accepted, then there’s no need to panic, as there are a number of things you can do to improve your financial appeal when you reapply: Different companies have varying terms for extending credit, so if a catalogue in one group turns you down you can always apply to a catalogue from anther group and see what happens. Steer clear of any claims of catalogues with no credit check.
Request a copy of your credit report and correct any errors; Make sure you keep up to date with any existing credit arrangements, such as those with Brighthouse.co.uk or your mobile phone provider; Leave a few months between applications. All these suggestions will help improve your credit score and put you on the road to accessing affordable credit.
Should you be approved for credit, remember to keep the value of your initial order low and make the repayments on time. This will often result in your credit rating improving over subsequent months as well as a helpful rise in your online catalogue credit limit.
Improve your credit score
Not only can accessing credit with these companies help you get the products you want when you want them, but sticking to the repayment plans can do plenty to enhance your credit rating, enabling you in time to increase your credit limits and obtain credit from other sources. Offering accessible credit and premium products to people that really need them, these companies are often an excellent choice if you’re finding it a nightmare to get credit elsewhere.
Although it can seem tough when you have too many things to buy and just not enough money at any one time to pay for them, using online catalogues such as Brighthouse.co.uk and DialaTV.co.uk can be useful options to obtain the things you need and pay for them in affordable instalments.
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