refused credit by DFS

JuicyJesus

BugsyBrowne wrote: »

Yes Mr jones but being self/employed doesn't mean you can't buy a comfy sofa on credit.

It doesn't mean you can't, but statistically the self-employed are a poorer credit risk than those who are employed. Therefore a self-employed person, who might have a wildly variable income, might need to reach a higher "bar" than an employed applicant who has a consistent income month to month.

This is just in generalities, obviously.

Peelerfart

BugsyBrowne wrote: »

Yes Mr jones but being self/employed doesn't mean you can't buy a comfy sofa on credit.

Buying it from DFS doesn't mean you'll get a comfy sofa either!

Angry_Bear

tommyjj wrote: »

... and have lived in 4 addresses in as many years.

This could have a significant impact - especially if you're not on the electoral role.