If you have a bad credit rating it’s likely you’ve had problems repaying loans and credit cards in the past so it is important to consider if a loan is right for you.

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Working with your lender if you struggle with repaying a loan is key to avoiding any serious issues.

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There are some circumstances in which not having a job doesn’t automatically exclude you from getting access to money when you need it. A good example would be if you have some kind of income even though you’re not in work, such as benefit payments or pensions.

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Not only are you able to look at your credit score before you apply to borrow money, it’s actually a good idea because your credit rating will affect your chances of getting the loan you’re looking at.

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It’s a common misunderstanding, but taking out a loan won’t give you a bad credit score if you make all your repayments on time and in full. In fact, it could help improve it.

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Your credit rating could be affected by you missing a payment on your loan, as it’ll be reported to credit agencies and recorded on your credit file. Not only could it lower your score, it could cause problems in other ways, too.

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Although having a County Court Judgement (CCJ) on your credit file could exclude you from getting money with a lot of mainstream lenders, that’s not the case for every loan company.

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If you receive income support, you may find it hard to both find and pay off a loan. Income support is given to people on a low income to help them get by. Many lenders are hesitant to lend money to people on income support.

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If you have a poor credit history, you might find it difficult to secure a loan. Doorstep lenders can typically offer financial assistance where other lenders won’t.

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Regardless of if you are receiving disability benefits, you are eligible to apply for a loan. By law, banks and lenders must treat you the same as any other customer. Therefore, you’re just as entitled to apply for a loan as anyone else.

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Get to grips with all those tricky terms people use when they talk about ‘bad credit’. Credit is one of the most misunderstood areas of finance for people and often bad credit is thought of as being even more confusing.

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