Interested in finding out about your credit score? Your credit score is a three-digit number that lenders can use to evaluate your credit strength for purposes of obtaining loans. You can access your credit score for FREE from ELoan .
There are several major credit agencies which track all of your credit history including loans, credit cards, etc. They also have records of delinquencies in payment and any defaults that you have made.
Major Credit Reporting Agencies
The Federal Trade Commission's Fair Credit Reporting Act and the FACT Act  allow you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Want a Free Annual Credit Report? The only official website is annualcreditreport.com .