I am so frustrated. I have no missed or late payments, or anything like that but I do have a high debt ratio credit cards and as such my credit score is 382. I have tried getting a consolidation loan but no luck and now I need a new car, again no luck so stuck what to do now. Has anyone else had a similar problem? My salary is good and I always pay ontime but seem like I cant get any further, Im stuck in a payment cycle, any suggestions please?