Try getting a Credit Card .... I know I know they have high interest rates but they are very comparable to the credit given at most stores. If you are not in full time employment very few places will give you credit especially not 0% credit. A credit Card like Vanquis and Capital One may help you in the short term but you would need to pay it off quickly so the charges do not acrue. Borrowing and paying back credit will always help with your credit rating. mypaydayreview.co.uk (reviewing payday loans since .... 2011 "we are a new site")