My scores with credit one was - equifax 550, transunion 549, and experian 548.
I will say, though, that I had not applied for credit for the last 3 years. My credit reports (at the time) were as follows
It looks like they only did a hard pull on experian.
Here's what my report has
1 public record (judgement for almost $500- not paid) ~~Does not show my bk for some reason
4 collections (all medical and total of $800 - none paid)
13 year credit history
Several lates - most from 2004, but there are a few from recent. (my car that was IIB is showing past due on $6,600 and is listed as a charge-off)
Another charge off from a cell-phone $850 - unpaid
That about sums it up as far as the big big baddies.
HTH