How to Find Out How Much Debt Someone Has

Date: Oct 23, 2026

Credit reports are private, so in general, you can only look up your own personal debt. If you are worried about a family member, offer to help rather than attempting to check without their permission.

Special Situations

Rules differ when a person has died, when you share a joint account, or when you are a legal representative. Estate rules vary by state, so check with the court or an estate attorney. Joint accounts will appear on both people’s reports.