There are three major credit reporting agencies in the United States: Equifax, Experian, and TransUnion. You can get a free copy of your credit report from each of these agencies once every 12 months. You can also get your credit score, which is a numerical representation of your creditworthiness. The higher your score, the more likely you are to be approved for a loan with favorable terms. There are many ways to check your credit history and score as well as to apply for a loan with no credit. You can order your reports online, over the phone, or through the mail. You can also get your score from some financial institutions and credit card companies. When you check your credit history, be sure to look for errors and dispute any inaccuracies.