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The numbers of people reeling under bad credit are rising with each day in the UK. Accordingly, the loan market place is crowded now with lenders who are making a good business out of providing bad credit personal loans in the UK. Bad credit is now a common factor with almost all the borrowers and so the lenders do not make much fuss on past payment mistakes by the lenders.

Bad credit personal loans UK are being provided for personal purposes like home improvements, wedding, debt consolidation, holiday tour, buying a new car. The lenders do not restrict borrowers in using the loan.

In the UK, all borrowers with credit problems like having arrears and late payments mentioned in their credit reports or borrowers with payment defaults, CCJs and IVAs are eligible for bad credit personal loans. The loan approval depends on to what extent the borrower has cut the lender's risks. The best way to do so is to provide home or any property as collateral of the loan to the lender. Secured bad credit personal loans are not only easier source of loans but also carry lower interest rate for bad credit borrowers. the loan amount depends on collateral value. So, greater amount can be borrowed against home. Another advantage is repayment duration. You can repay the loan in 5 to 25 years that gives ample time for recovering financial health.

Tenants or non-homeowners can opt for unsecured bad credit personal loans UK as these loans are given without taking any security from the borrowers. Homeowners who do not wish to risk home can also opt for the loan. These loans are meant for smaller borrowings ranging up to £25000 for 5 to 15 years. Interest rate on unsecured bad credit personal loans goes higher with every drop in the borrower's credit score.

First take a copy of your credit report to check inaccuracies in it. Know your credit score also. This way you can locate suitable deal for your circumstances. Timely repayment of the loan enables in improving your credit score.

Online lenders are best source of lower rate personal loans for bad credit people in the UK as compared to banks and financial institutions. Compare the lenders for finding a suitable deal.

Every home and office needs to be cleaned, and many people would rather pay someone to clean for them than take time from what little leisure their hectic schedules afford to do it themselves. It's an easy sell. But one of the first marketing challenges you face when starting a cleaning business is answering the question "Why should someone hire you over your competition?"

First and foremost, people who would hire you want to know that you are trustworthy and reliable. Here are some tips that will help you distinguish yourself and get your business off the ground.

Rule number one: If you say you are going to do something, do it. No excuses. Whether it is returning a phone call or showing up for a job or interview on time, reliability and integrity are key factors when people decide whether to allow you into their home, or leave you unattended in their business space. Your integrity is even more important to your long-term success than how well you clean!

How you present yourself is very important in the cleaning business, where relationships are built on trust. You can start making a professional impression before you even meet prospective clients. Start with clean, professional flyers or business cards that you can post free in many supermarkets, car washes, dry cleaners or with other local merchants. Provide a phone number with a voice mail messaging capability, record a professional greeting, and return all calls promptly. All of these inexpensive things make big impressions.

When you meet your prospective employer, be on time, and neatly dressed. If you can't keep yourself in order, what impression do you think they will have of your housecleaning abilities? If you are driving, make sure your car is clean and any "cargo" you are carrying is neatly organized, preferably in the trunk. Again, it creates an impression for people of how you will leave their home or office looking.

When you are successful in securing your first clients, be sure to continue operating as a business professional: be on time, maintain a neat appearance, and get your work done. Once you've established a track record for reliability and quality, you can ask your client for a referral letter or testimonial that you can add to your flyer. "References available on request" signals to other prospective clients that you are established and well-thought-of, which gives you a competitive edge.