Businesses in the adverse credit category specialise in financial products and advice for people whose credit history may make it harder to borrow through mainstream lenders. A poor credit record can result from missed or late payments, defaults, County Court Judgments, insolvency arrangements or a limited credit history. Services may include reviewing a credit report, explaining how lenders assess applications and helping customers understand options and eligibility. Depending on the business, products may include specialist mortgages, remortgage arrangements, personal loans or other forms of credit. Brokers can compare criteria from lenders and assist with applications, while some firms lend directly. Approval is not guaranteed, and interest rates, fees and borrowing limits depend on individual circumstances and the product.