How can I find out what debt I might owe?

In the 2003 FACT Act, the government passed legislation that requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. You can view these free credit reports at annualcreditreport.com. Beware of other sites that claim to provide you with free credit reports, as there is only one government sponsored site.

Many find it valuable to check their credit reports more frequently than once a year, so they will register for a credit monitoring service. These credit monitoring services typically cost between $12.95 and $29.95 per month. TrueCredit is a trusted partner of Credit Karma if you are interested in a credit monitoring service.

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