Damned if you DO and damned if you DON'T

If you think that debt review is a good idea, yes it is if the creditor does their jobs. I have gone under debt review and all was better. But when I pulled a credit report Ford Finance marked me every month as a non payment. A person would like to rebuild, but with this incompetence it is not possible. So I have phone and asked a week ago and the lady said she will mail the relevant parties and escalate and revert back to me ASAP, but no feedback at ALL. You will never be credit worthy if this is the case.