Improve your credit Score, the way to get trust again

In our place, we have some listing of Non-Performed Loan persons. So each time they need to borrow money, we reject the offer or we accept lower sum of total money they need. We know them, having badly track record on their credit. Sometimes they only pay less money from total or they ask for rescheduling. Poor neighbor but we do nothing because they are poor people that we should help.
In professional or legal administration, I do not think so if Banks or lenders accept their proposal. To understand what is a credit score definition, first we have to look back and answer this question, how big people trust on you? If you have bigger portion of trust, people will give you more obligation. The same case on money, if you have capability to payback, I think no one will close their door if you knock their money.
Banks and others financial institutions are highest legality and they need your identity, credit score or credit perform in the past and others. They need those procedures to know, to learn your capability to pay back their money because all of banks hate non performed loan. All of us want to keep good name, good reputation but sometimes, bad thing happened on us, making us down on credit problem.
Credit crunch effects global recession during couple months ago has already been attacking million creditors and now they are trying to improve their credit score. They lost job, home loans rose, and more. The worst impact is their credit score, a reputation given from lender base on their track record on Non-Performed Loan. For those people what having bad credit score, you have no reason to shy or have no access to get loan from banks. Each time, people are down and up so having a mistake on credit score is not a big problem. To improve your credit score back to normal is a must in order bank then credits on you again. They are many tools to improve your credit score and it dependents on you, which tools you need to use.