Recently i had applied for a Two Wheeler loan through HDFC bank which was rejected on the basis of my cibil report. I made some settlemtnts in past against credit cards and loans as i had a really tough time then. Even after these settlements i got a consumer loan from bajaj finance,has been repayed by me in time. I wonder why my fresh loan this time is rejected by HDFC bank on the basis of those previous settlements which now appear in my cibil report. It means if someone has gone through a bad phase he would never be allowed to overcome it. How can i clear off my name from the cibil. Please advise.