A credit report is the best way to find out specific details about your past or present credit status. Each financial product you use which involves some form of credit/finance will be recorded on a file held by Credit Reference Agencies such as Experian. It is wise to be on top of this and know your credit rating before applying for credit based products ie. credit cards as your credit score can decrease if you get declined on application for a credit based product. To find out your credit rating for free you can visit Experian and use the 30 day free trial that they offer. You will have to place a credit card or debit card on file with them but they will not charge you as long as you opt out from their membership programs.