If you have been labeled as a bad credit customer, no credit check catalogues may seem like a great way to get finance, but unfortunately, they do not really exist as all catalogue companies will require you to pass a credit check of some sort before approving your account. This is done to prevent fraud and to make sure you can make repayments on time.
Bad credit can occur due to various reasons and some of which are beyond our control. This does not mean that as a customer one cannot buy on credit again. Even if you are suffering from bad credit, it is still possible for you to get a catalogue account, especially by looking through out list of catalogues for bad credit.
What does it take for you to be approved?
As an applicant one must be aged eighteen years and above. This is to ensure that the company which is offering this facility only deals with adult as defined by the law. These are people who can be answerable in a court of law in case of any issues that may arise in the course of the contract period. This also means that the person who is entering this contract has the capacity to understand what he or she is committing to.
Apart from the requirement of age, the applicant has to show that he or she has a registered address and a verifiable income. This is to satisfy the issuing company that the applicant is capable of providing the finance. Companies do this to verify your previous relationship with credit and finance. A bank account is also usually required for somebody to qualify for credit catalogues.
Make a good name and you will always enjoy getting credit
Once you have been approved for a catalogue, it is advisable to honour your pledges as stipulated. It is worth remembering that this is a a special facility that was accorded to you despite the fact that you have been bad listed elsewhere. This facility is issued by companies which understand that not everyone gets bad crediting deserves it, there are people who are in such a situation due to reasons which are not of their making or they were in a position which could not enable them to complete their loans and banks did not understand.
It is advisable that the customer makes the company which has provided the credit happy!. This can only be done through prompt payment of what is owed. Through regular and payments the customer will avoid penalties. It will place the customer in the good books with the company and at the same time help repair your credit rating as the company will usually report back to credit agencies such as Experian whether you are late making payments or whether you are on time.
Although, no credit check catalogues are unavailable in the market, all that one has to do is to choose the best catalogues for bad credit and you start enjoying shopping from home.
in terms of personal requirements as well comparing the charges that are involved. After getting the best, the customer should ensure that they play their part to enhance their credit rating.