This document discusses how people with negative credit reports can still access loans. It notes that in 2020, 93% of loans disbursed by the fintech company ExcelCredit were to people with negative credit reports. While many assume reported individuals cannot get loans, ExcelCredit specializes in providing credit opportunities to this segment. The company analyzed its loan data and found the majority of borrowers were reported individuals seeking funds for expenses like debt repayment, home improvements, and small businesses. Testimonials from borrowers highlight how ExcelCredit helped them access credit needed for education costs and other needs.