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Cash loans for unemployed people or low income earners are available for any purpose from payday companies, pawnbrokers, credit unions and doorstep lenders. These are not interest-free, but they are a way of getting a quick cash advance with bad credit when you’ve been declined elsewhere.

Doorstep loans for unemployed people, low income families and individuals with bad credit have become a 3 billion pound business. A recent Equifax survey found that 32% of people with a bad credit rating had taken out a doorstep loan to help with money problems.

Student loans are only part of the available funds for attending college. Scholarships may be sponsored by the school or by private agencies or individuals. Grants also may be school or private. The best known, such as the Pell Grant or the Federal Supplemental Educational Opportunity Grant (FSEOG), are government sponsored. Like these programs, loans can be offered by the …

Not everyone can report debt to the credit bureaus. The credit bureaus must approve the company in question and the company must purchase and update special software that is capable of processing reports on consumer accounts. Debts cannot be reported manually. The Credit Bureaus’ Reporting Program The first step for a company that wishes to be able to submit regular …

Credit reports are divided into numerous sections and list all consumer debts reported by creditors for the last 7-10 years. An individual who is able to read and understand his or her credit file is better prepared to catch mistakes that could damage a credit score. Legal guidelines exist to regulate the information contained within each credit report.