Free tool · no search on your credit file
Which catalogues would accept you?
Bad credit doesn't rule you out everywhere. It rules you out of one kind of catalogue. Answer four questions and we'll point you at the kind that suits your history, so you're not collecting refusals.
✓ Takes 30 seconds✓ Works with CCJs and defaults✓ Honest about who we link to
Question 1 of 4
How would you describe your credit file?
01
Score cut-off
Mainstream catalogue accounts compare your score with a fixed line. Fall below it and it's an automatic no.
02
Affordability check
Some plans look at whether the payments fit your income today, not at what happened years ago.
03
Fixed payments
A set number of equal payments, so the balance can't grow and you know your end date.
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