Hi,

I am 25 and I currently earn £23,700.  I have a loan with Egg and credit cards with Egg and Barclaycard.  I also have a graduate overdraft with Barclays of £1750 (currently using £800 of it).  I am renting a flat with my girlfriend and have been in it for nearly two years.  I have never missed a payment on the loan or egg card but have been over my overdraft limit a few times recently and also missed a few payments on my Barclaycard (but only about 4 and always paid ok the following month).

I recently got my credit score from Experion and it was 860 out of 1000 so why on Earth can I not get a loan or credit card?  I would ideally like to consolidate my debts by getting a loan but failing that just moving my Barclaycard balance to a new, interest free or lower rate card would be a big help.