They don't give credit

I do not understand why, I have a good salary, and I work officially, it is true only 4 months, but in the terms of the loan write that the period of employment at the last place is not important.
I have a mortgage, I pay on time, and there are three credit cards, which I always pay off on time. Several years ago I also had two small loans, which I also paid off without a delay. I take more than I can afford - a million and a half. To date, no debts except my mortgage, but even there the amount of monthly payment is quite small.
And already a refusal comes from the third bank. What can be the reason? How do some people manage to accumulate a lot of credit?

Just go to another credit agency. What's the problem?

Hi, I would like to know about good credit companies.

Hello, I recently tried again to get a loan from a company, but I was rejected because I had a bad credit history. I started looking for a solution to my problem on the Internet, and I came across a company www.mytplloan.com. I was able to get a loan from this company because they did not require any special documents. I got the money, and now I'm solving the problems with the reimbursement, you can see the information about that too.

I don't understand much about this problem beacause I have nerver wondered it. I want to hear this topic from you guys.

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