If you're worried that you might have a negative report on your credit file, there are a few ways to check. First, you can pull your own credit reports from the three major credit bureaus: Experian, Equifax, and TransUnion. If you see any negative information on your reports, that's a good indication that you have a negative report. Another way to check is to look for a notice from a collection agency or creditors. If you have any outstanding debts that are in collections, chances are good that you have a negative report. Finally, you can also check with the National Credit Reporting Agency (NCRA). The NCRA keeps a database of all negative reports, so if you find your name on their list, it's likely that you have a negative report. If you do have a negative report, don't despair. There are plenty of options for repairing your credit and improving your credit score. Just take some time to research your options and make a plan to get back on track.