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plus 1. I would never recommend a credit repair agency. You can do and accomplish so much more on your own for free!!!
guiness is right. couple months ago i have only 2 CC with 1500$ CL. Now my CL over 30K for total . Our forum is magic book you can search for any information about CC you need !
What is making them not reporting correctly?
if it reported wrong then you need send direct dispute to the bank.
if it was a joint check the other persons cr. if he/she is the primary and you a co-signer it will affect you as well.