Question: My bank wont give me a loan even though I have good credit because my credit isnt established enough yet ...? What should I do?  Will a different financial institutional help me.  I cant even get the loan with a co-signer which makes me insane since they acted like if I got someone to co-sign I would not have problems.  All I want is to refinance my car loan so I dont have to have full coverage insurance and can have a lower monthly payment.  I have paidf off 5,000 in credit card debt in the past but it doesnt seem to matter.  I dont understand why my bank is being so stubborn.  Any advice?

Answer: Don't give up.  Try another bank.\n\nAlso check your own credit rating.  There may be something on it that you do not know about or is inaccurate.  A link to Equifax is below\n\nBut, remember that every time you apply for a loan or credit card it shows on your credit report.  The more often you apply, the lower your credit rating goes.
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