How to find who i owe money to

How Do I Find out Who I Owe Money To?

How can I find out who I owe? I would like to know so that I can pay off my debt and clear up my credit.

If you’ve faced credit difficulties in the past and are unsure which of your accounts are currently outstanding, ordering a copy of your Experian credit report will be very helpful. Checking your credit report won’t provide an exhaustive list, but can be place to start. The report lists all of your debts, the amount outstanding and provides contact information for your lenders.

Getting Your Experian Credit Report

By law, you are entitled to one free copy of your credit report per calendar year. The quickest way to get your free annual report is to order online at You can also get your free Experian credit report at any time with no credit card required.

Your credit report will list detailed information about each account that is reported to Experian. The report includes the business name and address and the balance on the account. Your credit report will also list any public record items, such as civil claim judgments or tax liens.

A Debt You Owe May Not Appear On Your Credit Report Right Away

Most major lenders report to Experian, but they are not required by law to do so. In some cases, a creditor may choose not to report an account to Experian directly, but they may later choose to sell the account to a collection agency that does. In that case, the collection account may appear on your credit report even though the original account does not. In most cases, the collection agency will list the original creditor as part of the account information.

A creditor may also choose to file suit against you in an attempt to recover the amount owed. Once a judgment is filed against you, it will become a matter of public record, and will most likely appear on your credit report. The judgment will list the name of the plaintiff along with the amount owed.

You May Owe a Debt That Does Not Appear on Your Report At All

Because creditors are not required to report their account information to Experian, your credit report may not be a complete list of every debt you owe. It’s possible that you may have an outstanding debt that does not appear on your report.

Some creditors may choose to report to one or two of the three national credit reporting agencies. Therefore, just because a debt you owe isn’t appearing on one credit report does not necessarily mean it isn’t appearing on the others.

It’s a good idea to order a copy of your report from each of the three major credit reporting agencies and then compare the information from each. If you do have a creditor that does not report to any of the credit reporting agencies, you will need to go over past bills and account statements or contact the company directly to determine what you owe.

It’s also possible that a debt you still owe no longer appears on the credit report. Debts, including collection accounts, are deleted seven years from the original delinquency date of the debt. While the account may be deleted from the report, collection agencies may still be able to contact you to request that you repay the debt. Just because the debt is deleted from the credit report doesn’t mean that you no longer can be legally responsible for repayment.

How do i find out who i owe money to?

annual credit report. com

This is the only site approved by the feds and 100% free

Reports are free - always have been - never pay for them.

Print out all 3 reports if you can.

It will show the collectors name, address, and phone number.

I am sure the fees have added up and you are now in the easy thousands.

I would get a good book from the bookstore called Credit Repair.

It will teach you how to negotiate a settlement like an expert.

If you do this right, you could end up paying only 30% of what you owe.

Please get a book - the internet has bits and pieces and it's not thorough enough.

That books will be 100 times fold its investment - you could save thousands.

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To find out who you owe money to, start by pulling copies of your old statements from at least the last year including loan statements, utility bills and your bank statement. Make a list of all your creditors (everyone you made a payment to in the last year) then go on-line or contact your creditors to find out how much you owe them right now.

If you are missing statements, contact Canada’s major credit-reporting agencies: Equifax Canada and TransUnion Canada to request a copy of your credit report. If you apply for a copy through the mail you can receive a copy of your credit report free of charge. You can also apply online for a fee. To apply for a free copy, send them a completed request form (available on their websites), and about ten days later you will get a list of all debts reported to the credit bureau.

Since lending institutions may report at different times or with different agencies, you should ask for a free copy from both agencies in order to get a complete picture of who you might owe money to. Since these reports represent a ‘point in time’ which may be in the past, contact your lenders to confirm your current balance payable.

Once you have a complete list, you can then contact your creditors to make repayment arrangements or bring this information to your initial consultation with a debt advisor such as a trustee in bankruptcy.

Some tips for keeping on top of who you owe and how much you owe:

  • If you move, notify the post office of your change of address just in case your forget to change a few outstanding accounts. As bills arrive forwarded from your old address notify your creditors right away of the change.
  • A simple filing box can be useful to keep old statements. File them by type or creditor name. As new statements arrive, shred the old statements you no longer need.
  • Keep track of your debts using a simple spreadsheet, online service or personal finance computer software program.

Once you have an up to date list, stay organized updating your information monthly. Keeping track of who you owe money to will help you keep on top of your payments and reduce those balances.

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  • Are you being chased by a dca and are unsure of the original creditor, or whether the 'debt' is genuine?
  • Do you just want to see if you have any outstanding debts?

If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

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(Hopefully you'll find that useful - it's actually quite difficult finding how to order the statutory reports using online facilities)

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