Lack of service from these so called "Providers"

I wish there was a MINUSE 100 rating! Such a company who keeps records on my name after debt has been paid off a year ago. Got new fully paid up accounts and sometimes doubling up payments to try an increase the score rate. To hear from every service providers that I'm still a bad payer. I can't understand how South africa can function over such poor slow systems as slow as these providers who determine what we can and cannot afford. This is an ongoing yearly problem. I have been clean for over 1 year and till today these systems fail miserably. Iv been in need of a vehicle for over a year now. Struggling day in and day out . Trying to do a purchase on a second hand to lower the standards to these systems and still the scores go down and all I get is. I'm a bad payer . Yet for over 1 year now everything is upto date. NOT ABSA. NOT NEDBANK. NOT MFC. NOT STANDARD BANK. NOT ONE OF THESE BANKS CAN HELP. I have exhausted all my avenues and I entirely have given up with these so called credit bearus and banks. I find it pointless sitting right now writing an essay here on how these providers can't help and how the transunion crew can't assist. But what els can I do. Can't kick a person down if he is already on his knees begging