Poor credit history will i get finance from DFS

chriskathome

Folks,
I have a poor credit history as a result of illness a couple of years back.
Doing well now and paying off debts.
However I need a new sofa.
Can anyone advise if I apply for 0% finance with DFS am i likely to get it given my history, or should I simply avoid getting a pointless search on my credit record.
Thanks
Chris

jc808

pay off the debts first might be better, dfs sofas are overpriced shlte anyhow

ormus

as above.
if you aint got the money, you cant afford it.
try freecycle.

DVardysShadow

1] A new sofa is a want, not a need. A replacement sofa is I suppose a legitimate need. So go for secondhand or freecycle etc.

2] If you do go for their credit, have a look at this thread. It seems that if credit is declined, they will try to force you to buy the sofa anyway.

MentalMinnie

Where is a decent place to get sofa's/armchairs? I keep hearing DFS is crap, although there is an armchair that i like from there. It's only a chair i need.

Hello123_2

chriskathome wrote: »

Folks,
I have a poor credit history as a result of illness a couple of years back.
Doing well now and paying off debts.
However I need a new sofa.
Can anyone advise if I apply for 0% finance with DFS am i likely to get it given my history, or should I simply avoid getting a pointless search on my credit record.
Thanks
Chris

Hi. What sort of things have you got on your credit report? And do you know your score at all?

My OH has 2 defaults on a mobile phone from 4 years ago & got declined finance at B&Q. So I suppose it depends on your credit?

It's probably unlikely that DFS actually offer the finance, they usually do it through a 3rd party finance company.

If you are still after a sofa either call the finance company & see if they can help you/advise likelihood or perhaps go for a 0% credit card if possible. HTH