I am 64 and retired but my husband inherited some money in 2005 and insisted on putting some real estate in both our names. There is some income from one of these but it does not exceed our personal exemption.  The only problem I've had since I stopped talking to the collectors (in 2003, I believe) is that CIBC scooped some money from an account a year or two ago. It wasn't much so I just stopped using the account.

I don't owe anyone else money except for a computer course for disabled people (federal government subsidized) which  I started in 2004 but had to quit for health reasons. I did all the paperwork to get out of it (doctor's report, etc.) and was told (twice) by the government clerk in charge of the program that I was free and clear of any indebtedness. Even so, I get billed for this course from the feds every month and no talking to anybody changes a thing. I stopped opening them years ago. 

Anyway, my question is this: if I access my credit report will I stir up any monsters? I certainly do not want anyone to notice I'm still alive if I can avoid it.