Hi, I was wondering if there was a way to find out what bad debt i have and to whom do i owe. I keep getting declined on my cc applications. The only thing I think of was a car accident a few years back and I had no insurance for medical fees. But I have no idea who to contact.Please help me out.

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You can get your yearly free credit report at https://www.annualcreditreport.com/cra/index.jsp
Be sure to check all 3

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Since you were declined for credit you are eligible for a copy of the credit report that they used. As mommontoya stated you can get your free credit report at https://www.annualcreditreport.com/ .

If anything is listed on there that is not right you can dispute it. Please see the DIY section for help or register and a debt consultant will contact you. Just click on the link to register.

ladybug

ladybug

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Have you had credit with anyone else. If so, then was it reported as positive or negative credit. It would be a good idea to go through your credit report with a fine toothed comb to dipute any mistakes that might be on it.

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I checked report regular basis, but nothing comes up, then I was sued by a collector. I'd like to find besides report if there is any way to find old bad debt.

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