Credit record ruined

In May 2021 i settled all my accounts including all my woolworths account i had. Since i was under debt review i was issued with clearance certificate for everything i has paid. I was surprised in Aug when i received a call frm consumer friend threatening me about handing me over for not paying my woolworths credit card and loan account. I was told the settlement i has made was short funny enough amount was received frm mbd wjo had notified me of a discount hence i paid amount on the settlement letter and a clearance letter was issued for both accounts. Cut long story short in September i was told that both accounts have been cleared and mistake was on thier side. This was not favorable for me as a default was already issued under my name ruining mu credit record that i was trying to fix. What is more worse is i am in progress of building a house now when i apply for credit i am declined as a result of all this mess caused by woolworths. For the woolworths loan account that still reflected a balance of R2000 something i was the 1 who again had to follow-up so that it is cleared as it ws already showing that i am in arrears. This is so frustrating for me as my savings i had 2 build my house have run out and need credit so u can finish off. I asked woolworths since they are the ones that have made things difficult for me can they not reinstate my credit card credit i had or the loan as i m declined everywhere and can not wait for 6 months to a year go be cleared no one is willing to assist im sent to pillar to post. When i try to apply online 4 their credit facilities in declined. I am 8 months pregnant i would like by the time my baby is born to arrive in her new lovely home but because of this it seems like i will not make this possible. I really do not know this is devastating. I only wish they can just re activate my loan or credit card facility that's all i ask for provided they put me in this unfavorable position