False Credit Record that isn't updated Regulary

<p>I have paid an anual fee towards my credit record. However I have just received my credit report which looks bad and implicates me as a bad payer. However all my account are up to date and most are paid up and I am only remaining with 2 credit that I am yet to pay off. But on these credit are up to date but my credit shows otherwise and it also show old debt that I settled a long time ago as bad debts written off or still there is out standing amount. This Bad credit report is ****ing me. Now my life is on hold because of them. I cannot even open an account or buy anything on credit. I might as well be dead. This is terrible exploitation of consumers and bad service.</p>