Im 21 years old, summer 2015 got my first credit credit to start building my credit. looking for an apartment on winter of the same year I was denied duo to bad credit. I never own nothing on my name and everything i would buy with the credit card ill pay it back immediately. They said i havent paid a bill of $150 and that shows irresponsibility. I checked in credit krama and investigating ( long story short) says someone used my social security number to get Comcast and didnt pay on april of 2015. Comcast told me to elimante it from my credit i need a police report. Police said i need a pay stub. Which i never had duo to me never having comcast. Tried getting a bill from comcast email: they said they cant , call 3 times to be sent to my address and i havent recieve nothing. Its been more then a month duo to their waiting 3-5 days to "recieve the letter". Even went to the office to see if they can give it there: they said the bill is too old, that they cant print it out.
Someone recommended me to do 609 credit repair but i know alot of them are scams. What can i do? If there is no proof or i cant fix it do i have to pay for it? And if i were to, would it completely be removed off my credit?
My current credit is about 500. I appreciate the help in advance Thanks
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