<prompt> Human: My husband has debt from before we were married. I wanted him to request a free credit report from one of the big three Experian, Transunion, Equifax, but he doesnt want to because he says theyre run by the credit card companies. He thinks that once he runs it, they will know where he is and start bothering us, and he would rather wait until we are actually ready to pay off the debt. We have received debt collector mail at our house, however, so they already know where we live.I disagree and think that these reports are separate from the credit card companies and that it would be helpful to know exactly whats in these reports.Appreciate any information about how these credit reports work.  <response>: My Spidey sense is telling me he is hiding additional debt or is too afraid of confronting his debt. Insist. 