Reader questions
Your questions, answered
The questions that come up most from people rebuilding their credit.
I was refused by three catalogues last month. Should I keep trying?
Pause the hard-search applications for a few weeks. Use soft-search checks to see where you're likely to be accepted, then apply once.
Can I get a catalogue with no job?
Some plans accept regular benefits or pension income, as long as the repayments are affordable.
Will checking my acceptance hurt my score?
A soft check doesn't affect your score, and other lenders can't see it.
Do I need a bank account?
You'll need a debit card in your own name to set up the repayments.
What happens if I miss a payment?
Contact the provider straight away. Most will agree a new date if you talk to them early.