You'll find that most companies will accept you for monthly payments if that is what you are looking for.
Most of the checks aren't credit checks, they're just to check your address details.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Lulu is so right. I was with Tesco then swinton. If yr looking for a cheaper quote swinton do ask if they can do a credit check. Told them no myself and took their quote. Good luck x