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You can also give the appearance that you are working when you are really unemployed by getting a business phone line placed in a no credit cards friends hone with an answering service attached. Then you can have it listed in the phone book because creditors do check to see if businesses are listed sometimes.
Since your loan is totally secured by your savings no credit cards account the bank won't even make a credit or employment check. Take the $100 loan, go to another bank and do it all over again. Go to at least 3 banks doing the same thing.