So, I paid $15 for my three credit reports in good detail with my score. 563 is a bad score, but expected.
I've long been trying to remove items on my report that are not my responsibility. Good news is, it's down to one item, FINALLY.
$974.00 for Bayfield Financial LLC, who?? What?
I called them up and they have two cases for 'Kevin Dugan', I said great that's not me, fix it. They took my last four of my social and say 'we cant discuss this further as its not related to you'.
She was helpful and polite, not rude. She advised me to call Transunion (the only bureau that has it listed on mine) and tell them to investigate it and fix it.
The thing that gets me, my report claims I'm 48k in debt! That's a crock. I only owe just around 30k for my student loans and that's all I have on my report.
ARGHHH!!!