There are plenty of catalogues for bad credit available and even no credit check catalogues such as Pay Weekly Store. They will charge you more interest on your purchase but bad credit catalogues also allow you to get the items that you need when you need it without having to pay the entire balance up front.
Catalogues That Are Best For People with Bad Credit
Catalogues that are best for people with bad credit are ones that offer buy now pay weekly, buy now pay monthly, or buy now pay later plans to their customers. Some of the popular bad credit catalogues include, but are not limited to, Jacamo, The Brilliant Gift Shop, Fashion World, Premier Man, JD Williams, Fifty Plus, Simply Be, and Naturally Close.
How to Check and Improve Your Credit Rating
Every year all individuals have the right to check their credit rating once for free. This can be done by mailing in a form or checking it online. The best way to improve your credit rating is to pay off your debts. Obviously, this is something that you are not going to be able to do overnight but it is something that you can do gradually over time and you will see improvement within your credit rating.
Another way to improve your credit is to make sure that you pay your bills on time. For example, when dealing with catalogues for bad credit you are going to want to make sure that you are making your weekly or monthly payments on time as they will report it to the major credit reporting agencies and it will impact your credit rating in a positive manner.
Bad Credit Catalogues vs. No Credit Check Catalogues
Bad credit catalogues differ from no credit check catalogues. The main difference is bad credit catalogues are still going to require you to undergo a credit check while no credit check catalogues are not going to require you to have a credit check performed subject to approval. However, they both are going to want to see your identification, employment verification, residence verification, and income verification.
Also, depending on how bad your credit is the bad credit catalogues may even request that you put down a deposit on the items that you are trying to purchase on credit. However, with no credit check catalogues it is guaranteed that you are going to have to put down a deposit in order to be able to get the products that you want.
Overall, bad credit catalogues can make things a lot easier for you. However, you have to make sure that you use them wisely to avoid damaging your credit even more.