A relatively recent credit product has arisen due to economic trends and the impact of the economy on individuals, specifically on those disadvantaged due to special circumstances, affiliations, or external biases. Lenders of many types have explored providing targeted services to select groups. However, most successful attempts were performed by consumer lending entities (licensed and unlicensed) generally fulfilling niche credit services abandoned by traditional providers. Consumer lending entities are credit services that, based on one or more pre-defined criteria, may qualify a borrower for their credit services.