Debt check I'm really un happy

Hi I have paid all my debt up directly have no account what so ever still can't make a loan then after a year of struggling eventually found out I have been put under debt review through debt check I can not recall doing so and I'm 100%sure I did not concent.in any way I got hold of them paid my fee that they charged me over 3800 or something and eventually received my debt clearance certificate but guess what still can not make a loan although my credit score is in a good state according to Experian