My Life is stuck

At first, I thought maybe I'm dreaming, my scoring was 567 and I had an overdue account with Wonga which was handed over to VVM, Rage Account which I never even used but had a funny amount of R56.00 outstanding, and another one with Standard Bank handed over to DMC (Ver-Tex). Then I settled VVM R1789.00 (23 August 2021) and paid that R50( 30 August 2021). Now my scoring decreased after settling those two to 553 instead of improving. It was showing now another account called Nimble which I didn't know about but with that amount of R1789.00 that I settled on 23rd August 2021. I called and emailed settlement letters but that stayed as ADDED on my profile. So in December 2021, I app**** for vehicle finance and as expected my application was declined then on 21 December 2021 I settled the DMC (Ver-Tex) R3210.00, Then I received a settlement letter on 28 December 2021. At this stage from 22 December, I was only waiting for a more improved credit report. To my surprise on 06 January 2022, my report came and it was now 524 (29 points down because of my vehicle application) BUT nothing about all my payments. I called Experian to query that at 9:24 am and the call center lady was not interested in my story, So my BIG question is " Why these credit bureaus ( Experian SA) so quick to take into consideration an attempted application for credit to the extent of even deducting our points than to consider our payments when we settled our accounts?" What must I do to clear all these from my profile except by paying, as I did? I've emailed them all my settlement letters and POPs but still didn't hear from them. I'm just sitting waiting for a miracle to happen only God knows when.