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Sorry you did not get approved. At least now you know what it is they are specifically wanting to see though.
It's always a lesson learned but I'll tell you one reason why I walk away with a rejection fairly happy:
most of them will give you speicfic reasons. In your case, they wanted to see a history.
I collect all these rejection letters and take notes on the phone with these guys and then see what my biggest issue is.
Right now, you know WHY they won't take you.
In theory, fix the problem and then reapply and in theory you should get approved (unless somebody else gives you yet a different reason).
So take the rejections to heart and keep notes on why you're rejected and then take action to fix those deficiencies. I guess that's why "gardening" is???