Directory of companies sympathetic to people with bad credit

It is estimated that as many as one in four of the adult population in the UK have experienced some form of bad credit. If you're having difficulty getting a credit card, personal loan or mortgage due to poor credit history, don't despair as there are a growing number of companies  who are sympathetic to people who have experienced credit problems in the past.

Adverse credit problems can be linked to a loan default, rent or mortgage arrears, county court judgements (CCJs), being a discharged bankrupt or financial problems as a result of divorce or being made redundant.
Credit Cards Loans

If you're having trouble getting a credit card or have been refused in the past, all is not lost as there are some credit card providers who offer credit cards to people with poor credit history, bad credit rating or people with no previous credit history.

So if you have a history of defaults, arrears, CCJs, or bankruptcy, the good news is there are a few bad credit, credit card providers who offer you the chance to rebuild your credit rating whilst enjoying the convenience of using a credit card.

Very often banks and other lenders are unwilling to provide loans to people with a low credit rating. However a growing number of lenders you won't hold your past credit problems against you. 

A number of lenders specialise in homeowner secured loans for people with adverse credit.  You can borrow money for any purpose including  debt consolidation, buying a new car, home improvements or a holiday.  Products are also available for tenants and other non homeowners.

Mortgages Car Finance

Many mortgage lenders only want to deal with people who have faultless credit histories and adequate deposits.

But money problems can affect everyone. Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out. 

However a growing number of lenders are entering the adverse credit mortgage market meaning there is more product choice available for people with a bad credit rating or poor credit history.

Specialist independent poor credit mortgage brokers can advise you on the best deals.

Many high street banks and traditional lenders simply will not lend to people with poor or no credit history, even though the cause of the problem may have been short term. Redundancy, sickness or divorce can result in CCJs, arrears or defaults.

If you have been refused finance for a new car, don't worry as there are lenders who can assist you.

Some companies specialise in car finance for people who have been refused elsewhere. They're only concerned with your ability to pay now and in the future, and not with any problems in your past.