Shriram Chits — Cleared loan with shriram finance/shriram chit funds but still couldn't get loan from anywhere because of cibil rating. please help

Address:	Tiruvannamalai, Tamil Nadu
Website:	Shriram Finance

Dear support,
My name is elumalai a from tiruvannamalai and my pan card no is : aaite9440n. I have procured a loan from shirram chit/shriram finance on 2007 and i couldn't pay it in time but cleared it very soon and got noc from shriram finance but when i try to procure a loan from any bank they say that my cibil rating is too low and they couldn't process loan beause of it.
I heard that this ratings are updated once in 10 years and automatically my rating will be positive after 10 years if i have made the payment and received noc.
Is there any option to increase my cibil rating? I am completely unaware of this. So if you could help me on this, it would be great.
Love to hear from you asap.


Regards,
Elumalai a