Very unsatisfied with MFC

Hi i am marius swart a loyal customer of MFC for the last 7 years and it happend so that last year my salary was payed in late for 3 months not even after each other and now that i want to finance a new vehicle they said i need to get my credit score up before i can finance a new vehicle. So for instance something happens to my vehicle now and i need to buy a new vehicle i cant because i need to show that i pay my vehicle on the right time it is not that i didn't pay it it was just payed 2 days at the most later other wise the next day.So after 7 years paying my vehicle on the right time i get penalized and they don't want to help me.