The best way to determine what outstanding debt one has is to
review credit reports from all three (3) credit reporting
agencies.
Everyone is entitled to one (1) free report per agency per year
(at the website managed for the three
agencies).
Everyone is also entitled to a free credit report if they have
been denied credit (one must ask to get the credit report).
Related Q&A：
How do you find out if you owe any credit cards banks loans department store cards and any other deb-Well, you know, there are a few ways to figure this out. First off, you could check your credit report. That's like a big summary of your borrowing history. You can get it for free once a year from the major credit bureaus. Another thing you can do is go through your mail or online accounts. Sometimes, the lenders send statements or notifications. Oh, and you could also call the customer service numbers of the places you think you might have debts with. That way, they can tell you straight up if you owe anything. It might take a little time and effort, but it's worth it to know where you stand, ya know?
