Refused by a catalogue? Your 14-day plan
The worst thing to do after a refusal is apply somewhere else straight away. Do this instead.
Day 1
Don't reapply. Ask the catalogue which credit agency it used.
Days 2–3
Get your free statutory credit report from that agency.
Days 4–7
Dispute anything wrong, and remove old links to an ex or a former housemate.
Days 8–10
Register to vote if you haven't, and set up direct debits for regular bills.
Days 11–14
Use a soft check to see where you'd be accepted, then apply once.