We know that it's tough getting a loan with bad credit history but mine was very bad cause somebody screwed it up! I have to clear it up. Someone stole my social security number and file taxes twice with my number, IRS caught the first one as they tried to get a 25k refund and the second time they filed as married. So when I filed as single the following year, I got red flagged. Now I got to get a PIN number to file taxes. Also someone has used my social security number to get a private student loan. And in December I got a call from USAA about some accounts being opened there with my numbers too, still get emails about it but no access as its not me!!!! No one will close it even though I tell them to! So it was hurting my credit. But my story changed when a friend introduced me to KIVA. KIVA is an international financial organization where i eventuatully got a business start up loan. No credit Score check, No collateral was needed and no elaborate paper work. Thought it was a scam at first cause it was too good to be true but when i got the loan, i then realized it was NOT. was really awesome getting a loan from KIVA. I will advise anyone finding it difficult getting a soft loan from other financial institutions to contact the field agent via his email([email protected]). He will help you get your desired loan that will suit your financial need.