Many of our visitors come to our website with alot of questions relating to no credit checks, bad credit and UK catalogues. Here we attempt to bring together all of the useful information you may need as well as answering any questions that you may have. If any of your questions are not addressed here please feel free to contact us with any of your queries.

Why do I have a bad credit score?
A low or bad credit score can be achieved in too ways:

  1. Borrowing money and not meeting all terms of your agreement, i.e. late payments on a mortgage
  2. Never borrowed money

Many people don’t realise this but having never borrowed money before does not mean you have a good credit rating, on the contrary in fact. As you have never taken out a loan or similar, a lender has no idea whether or not you are trustworthy, thus making you a “high-rish” credit customer. Although your credit score won’t have any negative marks against it, neither will it have any positive.

How can I improve my credit rating?
Firstly, you need to determine whether or not your credit rating is a correct representation of your credit history. You can do this by taking out a credit report with CreditExpert.co.uk and checking to see if everything that is listed on the report is correct. If there is anything out of place you can have it changed and thus improve you credit score overnight. However, if the report is accurate the quickest way of repairing it is by checking up on some of your negative points and rectifying them, i.e. if you owe money to a company then pay back what you owe and ask them to remove the negative credit rating they’ve given you.
The next best line of action is to find a company or retailer that will give you credit and build up your score by making on-time payments. Catalogues are a great place to start as they have very high approval rates even for people with bad credit.

What is a credit check?
A credit check is what a company does to check whether or not you are a good customer of whom to lend money too. They do this by checking your credit history to see when you have been lent money in the past and whether or not you kept up with your repayments.