ng11ap,
don,t be disheartened.
Think about it from a Banks view.
1. new businesses have a high failure rate = risky.
2. (meagre amount of credit) = not so , because add up all the (meagre amounts of credit) and soon the Bank has risked a lot of money.
3. Be (cold) about your own case and ask yourself , would you lend you money ? If the answer is yes then keep working hard because you have succeeded in spite of no credit line .
.................
Rebuild credit rating.
1. you have a clear credit rating , bankruptcy is over.Now work on getting it to a good rating..
2. ensure your account stays in good order, any unpaid etc will put you back.
3. consider changing bank , take your audited figures and where you see the business going to another bank . if you are knocked back = no harm.
Any (sensible) banker will take a reasoned view on future prospects of your business.
Any (sensible) banker will be inclined to view things from a downfall , not a success view .
And , Good Luck.