I can search your credit report online during our meeting, but I do not like to rely on credit reports for all of your information, as credit reports are often inaccurate and missing creditors. Medical debts and older debts that have been sold and resold to various debt collectors are often missing from the reports or reported incorrectly. If you would like to pull up a credit report before our meeting, annualcreditreport.com offers free credit reports. The Experian or Transunion credit reports are most complete and concise. Credit Karma also provides good results for some clients. However, it is always best for clients to jot down a list of their own creditors.