So you want to know how much debt you had last year vs this year? Is that the intent?

You can't get old credit reports, as those would be useless. Pull your credit card statements.

I think folks will have a hard time helping you assess the impact of an event without knowing what that event is, unfortunately. So you may want to add more clarity so any and all impacts could be assessed

Credit reports aren't really a thing you get on a historic basis. You get your current report and it will show you what has happened over the last few year. It will show any credit inquiries in the last 2 years, any missed or late payments for the last seven years, any bankruptcies for the last 7-10 years.

Not sure what you are trying to do with the credit report, but that is usually good enough for most people.

Spreadsheet all the info so you can print it out and have it as a reference

You can pull credit card statements as pdfs and print them

Yes, for the most part, but I also don't know how to factor in the accumulation of debt in regard to the situation I mentioned.

Edit: Just saw your comment about credit reports. Thank you for this guidance.

Information on your current credit report includes debt taken out in the last 7 years. You might not even need reports from prior years, but yes, you may be able to get prior credit reports if you have a valid reason and if the CSR you talk to at the credit bureau can find the report.

Frankly, you'll get just as good information here as you would at r/legaladvice. Lawyers follow this forum and chime in on topics. On r/legaladvice, you don't know that the posters are lawyers and based on what I've seen, most aren't.

[deleted]

You're probably right. I'll add some details. I just didn't want this post to be deleted for giving the impression of seeking legal advice.

Okay, so I just need to get my current credit report. Thank you!

And I'm trying to pinpoint when I started to accrue this debt.

Thank you!

That's actually very insightful. I didn't know the users of these two subs corresponded so much. That makes sense, though.

I just didn't want this post to get deleted.

The hardest part is looking...but really, truly, it's better to know than to try and hide but live in terror of the mess lurking just out of sight.

Tackle a little at a time. Work on one thing, then take a break...and a deep breath. When you're ready and rested, look at another piece. Keep at it, and slowly you will figure it out.

Good luck.

Thank you. I feel very lost.

At the moment, I am just seeking guidance on how to determine the impact of this situation. I have stopped the "something," which I edited into the original post (an antipsychotic that was causing adverse side effects), but I need to understand the damage first before I can begin to tackle it. My mind has been scattered the past couple of days, and I just need to make sense of things.

I don't see the lawsuit going anywhere. The drug company will say it was the mental illness causing the irrational spending as opposed to the medication. Is it worth the time and effort to go back and see where the money went? If it's gone, it's gone. Why not just start now and figure out your debts, expenses, and income, and go from there? If the debt is insurmountable, bankruptcy is an option.

(I speak from experience with this. I'm bipolar and it's really common for people in the hypomanic or manic state to spend too much.)

I'm not really hopeful for a lawsuit at all. Understanding how and why this happened is important to me, though. I can't move forward until I know who I've been this past year. I can't just accept missing a year of my own life and pick up the pieces as if nothing ever happened.