WHY Cannot get a loan/credit card

Hi People,

I have had an issue for the last 2 years or so, where when I search for new Balance transfers or loans, the results I see in the eligibility results seem not great at all. Not only that but on the occasions that I have applied, I have either received a much reduced term form the initially advertised or, more recently, was refused once I actually applied. That was when proceeding with pretty much the only one that indicated a 90% chance of being successful. My Equifax score is 421/700 and TradesUnion score is 610/710. I am using just over 50% of my credit availability, and under the list of items for 'Things to improve' it says nothing. Below is list of the 'Things I'm doing well'**. The one blemish I do have is an arranged payment with Nationwide which lasted 10 months 3 years ago to bring down my overdraft (due to lack of activity on the account) with monthly payments. There are no late payments showing anywhere in my history.

I have investigated this with all usual channels such as Equifax, Experian and in short, they offer no help.

No idea what to do, and it is having a serious impact on me/my family. Where can I go? Who can I speak to?

Any help appreciated so much
TIA Dave

**Things you're doing well**
You don't have any court judgements, bankruptcies or Individual Voluntary Arrangements
You have no accounts in default or repossession
You've been on the electoral roll at your current address for a long time
You've made very few applications for credit in the past year
You have held at least one of your accounts for several years
Very few/none of your accounts have overdue payments
Your largest credit card limit is relatively high
You have stayed within your credit card limit in the past year
Very few/none of your secured loans or mortgages have overdue payments
Your current Telecoms balance is relatively low