Not you, chainsaw_masochist!
diyicant have you actually seen your credit score on Experian, have you spoken with them and asked why its so bad, have you asked if you can get some things wiped from your history, are you on the electoral register? Getting rejections for more loans just appears to other lenders as being desperate (ie financially unsound) which is why it reduces your score even more. Do you have a mobile or a landline? Do you pay your bills by DD, all these things can count against you, any CCJ's etc etc?
You need to take stock and get a grip of this before you end up completely fecked. There is tons on Google if you just do a little research.
diyicant have you actually seen your credit score on Experian, have you spoken with them and asked why its so bad, have you asked if you can get some things wiped from your history, are you on the electoral register? Getting rejections for more loans just appears to other lenders as being desperate (ie financially unsound) which is why it reduces your score even more. Do you have a mobile or a landline? Do you pay your bills by DD, all these things can count against you, any CCJ's etc etc?
You need to take stock and get a grip of this before you end up completely fecked. There is tons on Google if you just do a little research.