Credit Information Bureau India [CIBIL] — cibil report less rating even though i did cleared my loans

Address:

577004

I am from davanagere in karnataka state.
I had vehicle loans with iob and both the loans were cleared 5 years back. And oof course there were delays but even after 5 years of complete loan clearance, the cibil rating is showing the 2 accounts on my rating. I had written to the bank's on several times to give me clear chit, but this is due to cibil body it is still appearing on my report.
I was told by several friends that it can be cleared if i pay some fees on each account.
If banks are not in a position to clear this, how can a broker or middle man can do this. I can smell something fishy here.
I need justice here. Please...