Never take a credit at homechoice. I paid them so well but when I started to struggle financially my debt went from R12000 to R15900

Homechoice handed my account to VVM because it was on arreas. They called me and I told them I was struggling financially and they told me I qualify for FinChoice loan. FinChoice can pay for my account and I can make an arrangement to pay. I waited and I waited and my account fell deep into arreas. Now my account has been handed to VVM, I made an arrangement with VVM and they promised me to clear my credit score. I have been paying since March but no change in my credit score. Clearly they ****. Why lie though. Mxm