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Rebecca Sheppard specializes in untangling other people’s financial messes. But for nearly a year, the Colorado accountant has been unable to fix a glaring error on her own credit report.
Her credit score plunged roughly 85 points because of a $240,000 student loan debt she does not owe. She repeatedly asked the nation’s big three credit reporting companies to correct the mistake, submitting documentation showing the debt belonged to her ex-husband. Even the loan’s account manager confirmed she