Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement goldsmiths.co.uk will be notified and you need do nothing more. Note that products will not be allocated to your order until your completed and signed agreement is returned and received by V12 Finance. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

• Your credit score (note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be overcommitted
• You are aged under 18
• Your existing account performance with other lenders

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

You can obtain a copy of your credit file by contacting:

Transunion, by
Post: One Park Lane, Leeds, West Yorkshire, LS3 1EP, or
Web: https://www.transunion.co.uk/consumer/get-your-credit-report

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

To be eligible to apply for finance, you:

• need to be 18 or older.
• or your patner, need to be in permanent paid employment, self-employed, retired and receiving a pension, working student in part time work or in receipt of a disability benefit.
• must have been a resident in the UK for at least 3 years (excludes residents of Guernsey/Isle of Man).
• must have a debit or credit card in your name, which is registered to your address, in order to pay for the deposit (if applicable).
• must have a Bank or Building Society current account available (you'll need this to complete the direct debit instruction).

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant. Saturday morning deliveries can be arranged if this is more convenient for you.