Disappointed Service

I am bitterly disappointed with the banking industry. I have app**** with , Absa bank for a home loan and have been disapproved cause of my credit score. I do understand that I would need a good credit score but in order for me to achieve this is now becoming impossible. I have an unbonded property which is on my name and I am willing to use it as collateral just to get a loan or home loan for less than half of wt my property's worth so I can free of old debit. As a working individual I am trying my utmost best to do what is right and pay up old debts not leave it unattended but it's now becoming impossible cause I am getting declined. I have been banking with Absa for a long time but being my financial provider and unwilling to assist makes me want to change my bank.