text: 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? don't give up.  try another bank.  also 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  but, 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.