When a lender lends to people with payment default and the creditors but they often look at factors other than just credit history. They tend to focus on how your financial situation looks like today and tomorrow. Those who offer loans to those who have payment default placing less weight on your history and focus instead on your future.

This means that you are receiving a payment remark for a sms loan while you were a student or unemployed, and now today has a stable well paid job so those companies that lend money despite the payment default that you are a suitable borrowers.