Maltreatment and defamation of identity

I'm Keabetswe Sebate concerned about how black people are being judged and treated when coming to credit applications. In 2015 all educational Psychologists in South Africa suffered financially as the medical aids stopped paying them. In 2017 end of November I resumed paying my debts as I got a job on the 1st of November again until I have paid 95% of my debts, currently my credit score is 617,but when I apply for a home loan of R800K I got rejected due to my past that I have settled but credit bereaus did not update my record, even though I provided proof of paid up letter and court order. I belief that I'm being treated this unfairly because I'm black and still being disadvantaged even though I now afford to pay my accounts with dignity. Credit bereaus should give us blacks a chance. We also need to prosper like everyone else.