 TITLE: How Do I Find Out What Debts I Owe? CONTENT: Some Debts May Not Show Up On Your Credit Report\n------------------------------------------------\nMost major lenders report account activity to the credit bureaus, but they're not required to. Therefore, a creditor may not share your account information with the credit bureaus.\nOld debts may not be included on your credit report, depending on how old they are. Even if they originally appear on your credit reports, accounts closed in good standing are removed from your reports after 10 years. Accounts closed as a result of late payments are removed after seven.\nThere are also exceptions to the types of debt you might expect to find on your report. Medical debt, for instance, is generally not listed on credit reports unless it becomes severely past due and is reported as a collection account. Retailer payment plans aren't commonly reported to the credit bureaus, either.\nIn some cases, the account will only appear on your credit report if the creditor turns your account over to a debt collection agency. Typically, the original creditor will be listed along with the collection account.\nIf you don't see a debt on your credit report, you also can search through old bills or contact creditors to nail down all the debts you owe. END