If you are unsure of how much you owe or
if there are some collections you feel you might have, you
should order your credit report. The credit report might
not list everything you owe especially small creditors but
it should list all your credit card debt, hospital bills,
collections, etc. Below is a link to the three credit
reporting agencies. Each of the agencies below gives you a
credit report for free once a year, so if you haven’t
obtained one within the last year, you should obtain one
from all three agencies below because not all creditors
report to all three.
http://www.equifax.com
http://www.experian.com
http://www.transunion.com