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If your application for a Pay Monthly Catalogue with Credit has been rejected then it’s most likely because of the information you supplied in your application or the information that the Credit Reference Agency passed to them when you made your application.

The first thing to remember is everyday hundreds if not thousands of applications are rejected, you are not alone. It’s not nice being rejected and remember there are several reasons applications for Catalogues fail. If you haven’t already done so, now is a good time to check your Credit Report to make sure you know what’s showing. You Can check your Credit Report here.

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You may not be able to rectify credit problems on your Credit Report if you have missed repayments or have been issued Defaults or County Court Judgements. This information will stay on your credit report for six years. You could still be Successful if you try a Catalogue from our Bad Credit Catalogues section here.

Make Sure that you are registered on the Electoral Register. If you are not on the Electoral register the chances of being approved for any type of credit is low. You can check this with your Local Council or by obtaining a copy of your Credit File.

Top Tips to help your next Pay Monthly Catalogue Application

When you provide your telephone number, try to include at least one landline number (Feel free to add a mobile phone number as well).

Make sure all of your information at the Credit Reference Agencies is correct. Even a small mistake can lead to problems. You can view your credit reports free of charge at all of the credit reference agencies here.

declinedYou can also check you are not a victim of fraud by checking your credit reports. If you see something on your Credit Report you are not familiar with, contact the company in question direct and contact the Credit Reference Agency. They will be able to help investigate for you.

Some of the reasons you may fail a Credit Check

CCJ’s – These will remain on your credit report for 6 years (even if they are settled) Some Catalogues will accept customers with CCJs. The older the better (so a CCJ issued 5 years ago is a lot better than one issued 5 months ago).

DEFAULTS – Again, these will remain on your credit file for 6 years and Defaults are not good news. The older a default the better. Showing it’s been a few years since your last default will provide you more chance or approval for a Catalogue account.

Are you currently in arrears on other Credit Agreements? Have you missed