Obtaining your credit reports from Experian, TransUnion, and Equifax, the three major credit agencies, should be your first step in figuring out what installment loans you currently have. It is how lenders check your credit history and determine your eligibility for a loan.
Most of the time, creditors report debt accounts to one or more credit bureaus, who subsequently include them in the credit report they have on file. Your credit reports will contain information on several account types, including credit cards, personal loans, mortgages, and more. Every account's balance is shown in your credit report along with its status, payment history, and the contact details of the creditor responsible for it. Federal law states you are entitled to one free credit report every 12 months from AnnualCreditReport.com.