In 2002, I got a student loan. Than I went to work in another city after graduation in 2003 and I changed my mobile no. The bank lost contact with me and did not inform me the due date. I have been so busy, that I forgot to contact the bank about the loan until 2005, when the delayed loan had appeared on my credit report. Now I want to credit card. But I failed for the bad record on my credit report. What should I do.
