It is correct that you shouldn't make a lot of applications (like duplicate posts, it can be annoying). Hopefully the errors in your credit file have now been corrected.

You should consider trying to pay off the Vanquis card first and cancelling the agreement for two reasons. This card has a high interest and the fact that you have one of these cards (they are marketed at people with credit issues) will be recorded in the credit file.

You do need to appreciate that most lenders will do the same calculation as you and decide that you've already borrowed enough. It may be that you need to deal with your current debts before borrowing again.

If you are struggling, it may be worthwhile to have a chat with a debt adviser at your local Citizens Advice Bureau.

Hi, applied for a bank loan again after the advice from the bank the last time I tried, they said to wait another 3 months which I have done so. I have a poor credit rating and when I first looked into my credit reports was very poor... The reasons where, I had items that did not relate to myself and should not have been listed on my report. Also I was not on electrol roll until this April due to some complication. I have around £5600 with two credit cards, one vanquis the other barclaycard and £2900 overdraft. I am,currently paying each month on average £250 per month. I can easily pay the loan repayment but once again, been knocked back and said to check my credit files. I feel asthough I am going around in circles and cannot see the light I am wanting to have a least a little spare each month after payday and thought this was the best way. Again, due to applying again this will affect my credit rate. I feel like just paying them what I can to at least have a life after pay day. Can anyone help.