Let's see if we can figure out somethings on your decline.
Which CRA's did they pull? What was your FICO at app? Any derogs or baddies? How is your debt to credit (what are your balances)? What kind of other credit do you have? What did you state the use of money was for? What is your oldest account and how old is it? What is your AAoA and what is your highest CL?
How long did it take to fund?
What was your APR? And what was your term?
What was your FICO and credit like?