How to find catalogs without a credit check

Dealing with bad credit history can be difficult since most finance companies rely heavily on your fund management history to determine your eligibility for certain products and services. However, even with a low credit score, many stores will still want to do business with you! Catalog companies that offer in-store lines of credit allow you to buy appliances, furniture, entertainment packages, electronics and other items on credit even though you’ve suffered a recent financial downturn. These catalog companies process your application without a credit check and therefore any history you have will not be kept.

However, there is a limit to such lines of credit. It is only applicable to the goods advertised in their catalogs or available in their stores. You can’t use them at other stores like you can with other lines of credit. However, it is still one of the best options for someone with bad credit. This will not only allow you to make the necessary purchases, but will also help rebuild your financial position.

So where and how can you find catalogs that don’t offer credit checks? That would be very easy. You can look on the internet and your search, whatever search engine you use, will lead you to hundreds of catalog companies that will be willing and able to provide you with the services you need. The problem now is how to choose among those hundreds.

Never limit yourself to a handful of companies. You can read what they have to say on their websites and you can even ask what they can offer after giving them some of your financial details. You will find that many of the people you contact will send you responses in no time. This may sound easy and fun, but don’t take it lightly. Remember that this decision may affect your credit score in the future, so choose very carefully which company to apply to.

Most of these companies will require an application fee. While you should consider how high your application fees are, you shouldn’t stop there entirely. Do more research and check their interest rates, their payment methods, their required minimum payments, and other important factors. If you stick with the ones that offer the lowest application fees, you may end up paying high interest later. Also make sure your payment schemes are manageable. Otherwise, you will end up deeper in debt.