How to find out exactly what I owe

[Corinthos]

I pulled up my three credit reports. Should I just call all these numbers and find out what I owe?

[JRScott]

It should say in the credit report actually.

If you don't receive bills anymore the amounts listed on the credit report are close enough. With late fees and interest what you put on the paper will not be what you owe anyway its just meant to be a good estimate.

[magyar123]

If credit cards - just call the 1-800 numbers, and go through the prompts that will explain what your current balance is.