as an aside to the OP - its kinda related.
how can you reverse bad credit if you have a reason?
i.e. you spend a long time in hospital and cannot physically go to the bank and lots of stuff goes unpaid but is then paid off.
it's probably harsh, but you're still a risk to a creditor if you haven't been able to pay them on time. For all they know, next time you might not be able to rectify the problem.
