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To view your credit report you will need to make a request either by going online or by writing to the companies. You can obtain cheap credit report from most suppliers; some will even offer a free trial service. If you wish to get a mortgage or purchase a car a good credit rating will be necessary. If you have been turned down for credit previously, it would be nice to know why.
The information on your credit report is updated every few weeks so if you notice that the report does not show a recent payment this is the reason why. A missed payment to a credit company may also show up depending on their rules and regulations regarding this. Some companies will give you a certain amount of time to get the payment to them or will add extra leniency if you phone up beforehand and let them know that the payment is to be late.