Bad itc record

<p>Good day </p> <p>About 3 yrs ago i had a bad credit record with NEDBANK and ABSA i was paying it off monthly or when i could make a payment i did then decided to to setlle all accounts because i needed to upgrade my business i kept in contact with the banks they told me if i pay up the arrears they would clear my name in 3 months its been allmost a year now and still bad credit record at transunion </p> <p>I have vehicle finance at absa which im still paying off evry month each time other banks do credit check on my name they i was 9 months in arrears with my absa account witch i have no knowledge of this is holding me back i cannot upgrade my business curentlly because of this i phoned absa so many times each time they give me a diffrent number to call </p> <p>Please help </p> <p> </p>