Furious!!

ChopinonaBudget

Next's policy on this is indeed atrocious. There is an option to pay by debit card for your purchases but you still have to open an account.

In the end, I decided to keep the account open, but set up a direct debit to pay off the amount in full every month, which means I'll never use it to buy more than I can afford as I'll be paying the bill anyway.

I really wouldn't worry about your credit "word", it is pretty meaningless... Just check everything on there is in order and accurate

foxgloves

These companies want people to have credit accounts because custmers will then buy more & they will make more money! I've noticed this in the past with various companies, including Next. I also bought a couple of small items from a magazine ad a couple of years ago, did not request a catalogue (didin't realise the ad was even FROM a catalogue as didn't recognise the name) & the next thing was that a credit agreement & account details appeared through the post! Ridiculous, it was a purchase of about £15 & I had neither asked for or needed credit. I just paid as a one-off but had to wait until the following month for my payment to be acknowledged on my 'statement' as all their admin is geared towards customers having credit. I didn't bother using them again. I prefer to shop in actual stores these days as big weight loss means I need to try things on & I'm also trying to support our town shops, but I did recently look at an ad for a clothes catalogue.....think it was Marisota but can't remember, & I noticed that in the small print it said that by sending off for a catalogue, I would be agreeing to them putting in place a credit account for me. I didn't bother. It's no wonder so many people are up to their armpits in debts when credit is the default choice for even small low value purchases.

xleannex19

Sorry if this sounds ignorant - its not at all intended! I'm curious as to why so many people say that your credit score doesn't matter?

In my head I just thought if Experian said I had a good credit rating, then most companies would agree and would be more comfortable giving me credit.

I got into a serious mess with money 10 years ago and have struggled to get credit ever since, my Experian score tied in with this as it marked me as 'poor'. So in my mind, I figured that as my Experian score increases, so will the likelihood of me obtaining credit in the futre. Have I got it completely wrong?

My partner and I would like to apply for a joint mortgage in the next year or so which is why I'm trying my hardest to improve my score.

somethingcorporate

Each financial institution will have it's own (secretly guarded) way of credit scoring you.

Paying one company (Experian) for a number that is not used by anyone else is just pointless. It may give a general indication but really does not mean anything.

jobdone1

I think this stinks, I purchased an item again ready to pay by card the next thing you know i have a credit account and days later a catalog and if you look at the small print WITH A MAGNIFIER you will see they will post out a new catalog when they become available and charge you but this one is free um. I did see a watchdog report on companies not offering a one to one direct email contact so you have proof that you sent the mail and yes you guessed it next just has this stupid inquiry form for me to request to close the account. So i now sit and wait to see if they action my account closer request that i have no proof i have requested.v

RichL74

xleannex19 wrote: »

Sorry if this sounds ignorant - its not at all intended! I'm curious as to why so many people say that your credit score doesn't matter?

People who have been declared bankrupt have scores of 900+ with Experian.

They want people to subscribe to them lots of people get taken in by it and continue to pay them money each month to see this pointless score.

As has been mentioned, no lending company will look at this score, they will never, ever see it - they will use their own lending scores and policies. As long as you dont have CCJ's, months of missed payments, defaults or keep moving house every 6 months (oh, and on the electoral roll) you should be fine.

Defaults remain on your credit record for 6 years.

The score they give is pointless.

Experian_company_representative

If you didn't agree to a credit check you can ask either the lender or the CRA to dispute this for you.

James Jones

Millie2008_2

This is what annoys me about Next. I don't want to open up an account with them, but there is no option to just make a purchase and pay outright, without opening one. I would shop with them more often if this weren't the case, so they are losing my custom, together with that of others, I imagine!

MentalMinnie

Oh my days!!

I thought I was the only one that fell for this! I was going to come on here to rant about it, but thought better of it as I thought people would tear strips off me for not realising i'd opened a credit account, and not reading through the info!! I honestly thought I was just opening a non credit type account.

Wasn't impressed to say the least!!