Many lenders will reject loan applications from people who have experienced bad debts or other credit problems in the past. A specialist loan advisor has access to a panel of lenders in the UK who are sympathetic to people with adverse credit and offer poor credit loans at sensible rates of interest. 

A poor credit rating can be caused by a variety of reasons. For some, failing to pay a bill on time or missing a seemingly insignificant payment by mistake has been a factor, or perhaps you've gone through some bad times financially in the past, maybe caused by redundancy or divorce, and are finding it hard to start again. 

More obvious reasons for a poor credit score include mortgage arrears, defaults on credit card payments or perhaps official procedures such as CCJs (county court judgements), IVA or even bankruptcy.