Bad for business

Hi I had a jet account then got unemployed so around 2/3 years later I'm working again and I got a call from Daly on a settlement so I settled the account and closed it , I started settling all the accounts I had slowly and now I'm credit score is picking up slowly , the problem I had is trying to open a jet account again they told me I need to wait up to 3 years for my old account to go out the system before opening up again