The easiest way is to check your credit report with Experian or another credit referencing agency. It's free to check your credit report and it updates on a regular basis so you can see how it's improving over time. It's also a good idea to check it regularly to make sure that no fraudulent credit applications have been made against your name. It's also important to really ask yourself if you need to borrow before you try to take out more credit. [1]