Check Your Credit Reports Your credit report lists the amount owed on every account, along with its status and payment history, and contact information for the creditor handling the debt. Under federal law, you can obtain one free copy of your credit report every 12 months by visiting AnnualCreditReport.com.

How can I check my debt for free?

You can get your free credit report from Annual Credit Report. That is the only free place to get your report. You can get it online: AnnualCreditReport.com, or by phone: 1-877-322-8228. You get one free report from each credit reporting company every year.

How can I find out how much debt I owe?

Even if you think that debt has gone to collection, it’s important to contact the creditor to verify how much they believe you owe. If the creditor no longer has the debt, they should still be able to tell you how much they wrote off as uncollectable.

Why do I need to find out who I owe money to?

If you’ve lost track of what debts you have, for example if you’ve moved or haven’t heard from your creditors for a while, it’s important to find out who you owe money to. Finding out more about your debts will help you to better understand your situation so you can start dealing with your debts.

Why is it important to know how much debt I have?

Maintaining a healthy credit score — or re-establishing a score that has taken a few hits — is extremely important for gaining access to quality loans, credit cards, and much more. So, ready to get started? In determining how much you owe and to which debt collectors, the first step is getting organized.

How can I keep track of my debts?

While every single debt may not appear on your credit report—or appear right away—staying on top of your credit report ensures you’re aware of most of them. ExtraCredit gives you the access to your accounts that you need to keep track of your debts and your credit score.