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advise neede

hi, my husband went bankrupt just over 6 years ago, we went on experian and his credit score is 999 and everything looks in order so as we need a new car he applied for a loan of 10k and got declined on phoning the company they said it was because experian said our outgoings were to high, we have a loan and one credit card amounting to 5k including our gas and elec monthly payment. now what we earn is signifintley higher than that. can you advise please

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