Why a person with bad credit (580-600) a loan obtained, even with a cosigner with honor?

I have good and I have a little bad my credit card. negative debt is less than $ 1000. I paid a car in my name always on time. I can not be a mortgage, consolidation, or a personal loan even with a cosigner. They all say, both people must have good credit. RTD is a cosigner, then? I need to get my land contract and can not refinance because of it. I also thought that if I consolidate my car and use a bit more I could pay the couple of medical expenses on my credit card. NOPE <<

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