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CBIL REPORT VERY POOR

I HAVE RECENTLY APPLIED FOR HDFC PERSONAL LOAN BEFORE ONE WEEK. TODAY I HAVE INORM BY HDFC BANK THAT THEY REJECTED MY LOAN APPLICATION SAYING THAT MY CBIL SCORE IS VERY LOW. I AM HAVING TWO CREDIT CARD ONE OF HSBC & ONE OF ABN AMRO. PREVIOUSLY I WAS HAVING CREDIT CARDS OF ABN, HSBC & AB. WHICH I HAD MADE SETTLEMENT. MY QUERY IS THAT HOW CAN I IMPROVE MY CBIL RECORD. PLEASE CLARIFY.