Are you being refused credit by everyone or by one company? If it�s just one company, ask them why. It could just be that you don�t fit the profile of their preferred customer.
If it�s everyone, go back to the 3 credit agencies and ask their advice. Next, go to the Citizen�s Advice Bureau who understand credit and debt and are free.
I wouldn�t expect an FA to be able to help you and you don�t need a Solicitor unless you discover something that needs fixing.
Good luck.