Eligibility criteria for vehicle finance

Hi,kindly advised when is a client eligible for vehicle finance after settling an account that was in arrears, I ask this because i settled and closed an account in October 2021 and app**** for finance in November which was declined,I phoned MFC querying the reason I was told by the consultant in the credit department that I should try again in February 2022,I tried again in feb still got declined and advised to consult Compuscan and Compuscan made it clear that they do not have the right to decide the outcome of the application it lies solely on the credit provider,I then tried consulting MFC and did not get a clear answer,it been 5 months and I am still unable to get vehicle finance from a bank I’ve been with for 10 years,these applications have a Negetive effect on my credit profile can I be advised when will it be appropriate for me to apply,how far back to you go when checking for arrears,the accounts where settled and closed on the 14th of October 2021 and there are no affordability issues.