Ofcourse, you can resurrect your bad credit history when you pay your bad credit personal loan on time. Just inform your creditor to update your records.
I think your friend still has a right to get his money he lent to you because even though he forgave you, you still owe him a personal loan. I suggest that you talk to him to settle this nicely.
hi you can apply online to other financial agency for personal loan instead. I think it will be hard if you apply to a bank bacause of your old collections.
