I have an idea for a business - I'd like to start up a bookshop selling new and antique books, trading online and in shop form. Unfortunately, years of living just below the poverty line have left me with a bad personal credit rating (CCJ, defaults etc). My partner and I are both employed but on very low wages (him minimum wage, me £7 an hour). We have no savings or assets to invest, family are unwilling/unable to help. and because of our credit rating, no high street bank would touch us with a barge pole. I live in an area of the UK with high unemployment and I've heard about renewal grants for such areas. Is there any help offered by the Government (ie not taking into account a bad credit history or lack of capital)? do they offer any help to people like us? I just want a better life for my family and my son as as it seems we can't get this through working for others I want to try working for myself. Please help!!!