To a lot of people, a bad credit is the end of the world. They know that particular stains will remain on their credit scores for many years, so their financing opportunities become useless. However, this is only what the lack of education can do. The truth is that you do have other options for financial help, especially if you show signs of recovering, like getting a job. There are many lending institutions that do not care about the credit score. Instead, they want a proof that you will repay the money, such as a job. They usually provide short term loans though.