No Credit? - You Will Need a Bad Credit Loan

So you have never taken out a loan You dont have a credit card and you dont have a mortgage You always pay cash Youre a student a recent widow a divorcee or from an ethnic minority group who have a tendency not to have any lines of credit If you are any of the above then your credit score will not necessarily reflect your ability to pay as you have little or no credit history whatsoever. This will make it difficult to obtain any form of loan and in these circumstances you may have to take out a