Make the most of this experience and learn from your mistakes so you don't get in the same position again. Statistics show that people who have poor credit scores have the same problems recurring throughout their life.
There is usually some factor that is causing them to get in the same position time and time again.
Is there something that you do that is creating your financial woes? It might be something small that you do consistently such as having to have the latest appliances even if that means taking out hire purchase at high interest rates.
It might be that you set goals that aren't achievable in business and you borrow too much money to reach those goals.
There can be any number of factors but unless you find what they are and learn from your mistakes you will be faced with a similar situation again and again.
You will constantly be trying to boost your credit score and because you will be operating much of the time with a low score you will be paying more on interest than you should be.
You will not be able to afford all you would like simply because what you have bought is costing you too much. A change of thinking might be all that is needed to allow you to get so much more out of life.
Most people will make mistakes with their finances at some stage and that is to be expected but to make the same mistakes more than once is a sign that lessons haven't been learnt.
Get help when you need it to work through any problems you know you have and if you can't see where you are going wrong then you should certainly seek help as soon as possible. Your future success depends on it.