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Check my options

Find my debts: who do I owe?

Lost track of who you owe? Work through these nine checks. Tick each off as you go, add every debt you find, and send them straight into your Debt Action Plan.

Written by The My Debt Cleared editorial teamLast reviewed 18 October 2026Next review 18 April 2027Jurisdiction UK-wideEditorial policy

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    Debts I have found

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    Why check all three credit reports

    Lenders choose which credit reference agencies they report to, so a debt can appear on one report and not another. Every agency must give you your statutory credit report free, and you can also see your data free through apps linked to each agency. Look for accounts you do not recognise as well as ones you have forgotten — an unknown account can be a sign of fraud.

    Debts that usually don’t appear on credit reports

    Council tax, magistrates’ fines, parking penalties, HMRC debts and benefit overpayments usually do not show on credit reports, which is why the checklist covers them separately. They are also the debts most likely to be priority debts.

    Finding out who owns a debt now

    If a debt has been sold, you should have received a notice of assignment. If you cannot work out who owns it, ask the original lender in writing, or send a subject access request, which must normally be answered free within one month. Then look the firm up in the debt collectors A–Z.

    You can get free, impartial debt advice

    You never have to pay for debt advice. MoneyHelper (government-backed), StepChange, National Debtline and Citizens Advice all give free, confidential advice with no obligation.

    Common questions

    How do I find out what debts I have?

    Get your free statutory credit reports from Experian, Equifax and TransUnion, check your bank statements and post, and contact the council, HMRC and old utility suppliers, because those debts usually do not appear on credit reports.

    How do I find out who owns my debt?

    Look for a notice of assignment, ask the original lender in writing, or send a subject access request asking who the debt was sold to.

    Is checking my credit report bad for my credit score?

    No. Checking your own credit report is a soft search that lenders cannot see and does not affect your score.

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