How Do I Find Out What Debts I Owe?

Through April 20, 2021, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.

You can learn virtually all of the debts you owe by requesting a copy of your credit report from each of the three national credit reporting companies. Your credit reports will list the accounts that have been reported and the balance owed on each, as well as other information such as the original loan amount or credit limit. It will also provide information on how to contact your lenders.

You can get your credit reports from all three national credit bureaus at no charge once every 12 months at

Keep in mind that while most companies do report their accounts to at least one of the credit reporting agencies, they are not required to do so. Therefore, it is possible to owe a debt that does not appear on your credit reports.

If there is information on your report that you believe is inaccurate, you can dispute the information at no cost. To dispute information on your Experian credit report, go to If you have a current Experian consumer report, you can simply enter your report number to begin the dispute process. If you do not have a recent credit report from Experian, you can access your report by providing the information requested.

Checking each of your credit reports at least once every 12 months can help you stay on top of your credit history and can also help you identify potential fraud.

Check out the scope to hear answers to all the questions asked.

Do you have questions about credit?

Join our live video chat every Tuesday and Thursday at 3:00 p.m. ET on Periscope. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.
Scoped on: 10/12/2017