If you had a difficult period in your life, you could not pay your loans on time but closed all the debts, then your credit history is still ruined. You cannot remove information from it. However, you may still be able to get a new loan at theislandnow.com. Some banks offer programs to improve credit history, in which, accordingly, you need to take certain loans and successfully repay them. Thus, repaid loans will appear in your credit history, which will have a positive effect on it.
If this option does not suit you, you can try to do everything yourself. Some banks give loans even to customers with a bad history. As in a few cases, you should not count on the fact that you will be given a large loan. Usually, banks are ready to issue a loan for no more than a few thousands of money. The rate will be high. If you are approved of it, then it is better not to refuse it. It is necessary to make timely payments, and then new, positive records will appear in history. And in the future, it may be easier for you to take out a new loan.
For example, you can get a credit card or borrow inexpensive household appliances if you are sure that you can pay off the debt on time. Financial institutions study credit history especially carefully for the last two or three years, so during this time, you will be able to form a good history of relationships with creditors.