To enable access to credit to people who might have difficulty applying for loans and credit cards at a local bank. credit ratings can be a bigger hinderance than people realise, for those with bad credit, finding a lender can be hard and many never give you full information as to why you don't qualify. Its not just a case of needing a credit card, these people also want to know how to improve their credit. Breadmarket provides the tools to do all the above.