Answer: -Go to www.annualcreditreport.com and get a free credit report once a year from each of the three major credit bureaus from this one website! You can also purchase your credit score, with a credit or debit card or just get the info from the site to mail away for your reports and scores. You can even get something called a "tri-merge" where all three bureaus will be on one report with scores. It is worth it, too! They also give you helpful information on your score like, comparing yours against the national average's along with helpful tips on how you can improve your score. -The website www.freecreditreport.com is a great resource. You choose to view your report from either transunion, experian, or equifax. If you want to view all three, you can pay $24.95 and still get a free report from one of the company's each month. You can even dispute inaccurate information online for free. If you want to get a loan with a fair interest rate, you normally need a score of at least 600. If you've been paying your bills on time for a while, though, they may overlook some of the items on your report - especially those over two years old. -Go on to the Experian website and order your credit report from CreditExpert. Points to look for: Make sure you are registered on the Electoral Roll, check if there are any defaults or serious arrears recorded in the last few years, count how many credit searches have been carried out against you file in the last six months. Deafults or arrears are bad news as are high numbers of searches.