Do I need to order my credit report?

No—Upsolve will pull a copy of your credit report and import a list of your debts and creditors into your Upsolve account.

That said, it's important to review that list and ensure all creditors/debts are listed. Some debts (like buy now pay, later debts and medical bills) aren't listed on your credit report, so you may need to manually enter them into your Upsolve account.