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Creditors, including credit card issuers, banks and credit unions, aren't required to report your payments to the credit bureaus. Some may report information to just one or two, and others may not report to any bureaus. This could explain why you see an account on one report, but can't find it on another.
Your creditor may not have reported the information. Creditors are not required to report information to the credit reporting companies. In addition, most negative information is not reported after seven years.
Our first tip for finding your hidden debts is to turn to your credit report. While not every debt is reported, many are. And if you're in collections or have owed the debt for a while, chances are someone has placed a negative item on at least one of your credit reports.
Check for Letters or Emails from Creditors Another way to find information about your debt is to check your mailbox or e-mail. Creditors send monthly statements, whether via your inbox or snail mail, which include your account balances, transaction details, terms (like your interest rate and payment due date) and more.
How can I find out how much debt I owe? Checking your credit file is the first step. Your credit file contains information about your debts, and other public information shared by lenders. It has details about your bank accounts, loans, credit cards and any other credit you've taken out.