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No such thing as a free lunch. By law no company will assist u with a loan if ur creditscore doesnt meet the requirements. doesn't matter who tells u what, it's the law and all are subjected to it. the reason why some people do get hlp is usually coz there is an error of somekind on their report. the company in question can fix tht easily since u dnt knw, and make u think tht u were blacklisted /bad or low creditscore /administration /etc. and they helped you. HERE IS A TIP: IF UR OWN BANK WOULDN'T HELP U NO 1 WILL.