When you’re shopping for bargains, you might not be thinking about your credit score. But if you’re considering opening a credit account at Big Lots, you might be wondering: Does Big Lots do credit checks?
Here’s what you need to know: Big Lots does not do a hard credit pull when you open a store credit account with them. However, they will check to see if you have any outstanding debt with other companies in their family of brands, which includes Mattress Firm and Sierra Trading Post.
If you have good credit, you’re likely to be approved for a store credit account with Big Lots. However, if you have bad credit or no credit history, you may be denied. If you’re denied, you can still shop at Big Lots, but you’ll need to pay with cash or a debit/credit card.
Conclusion: Does Big Lots do credit checks? Yes, but only to see if you have any outstanding debt with other companies in their family of brands.
If you have good credit, you’re likely to be approved for a store credit account.
