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I’m in Debt Mediation and They Don’t Handle My Medical Debts. – Lee

“Dear Steve,

Been in a debt mediation program for over two years. They have not handled any of the included Medical accounts. My wife and stepdaughter have had several medical bills over the last few years and those bills are basically in my wife’s name. In the process of becoming entirely debt free I’m trying to find all outstanding debt associated with my wife’s name that I may not have been fully informed (e.g., pre-marriage) about or have misplaced.

I had found this article. How do I find all the small creditors that would not be listed on the credit report(s)?

Side question: Each year you are entitled to a free credit report from each of the three bureaus. How do I also get a free report of my actual credit score [without going through somebody’s “free trial”]? [Obviously, a consoldiated report which you point out in Steve’s answer would be an additional service, so could not get that for free.]


Dear Lee,

There is no perfect way of locating old debts. The credit report is the only way to locate them but they only list debts which are reported to them. Each credit bureau reports slightly different information and that’s why I advise using a consolidated credit report.

THe only place I am aware of where you can get a free credit score is Credit Karma.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

1 Comment

  • You can also get Experian’s score for free at, though I’ve heard that both this and Credit Karma’s score is referred to as a FAKO score. My understanding is that you can only get your “true” FICO scores by purchasing them from The only exception is Experian, as you can no long purchase your true FICO score for them. It’s actually rather confusing!

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