You can see your own credit report online. By law, it's availble once a year for free from any of the three credit reporting agencies. Check it out at:equifax.com, experian.com, or transunion.com. You can get all 3 at once along with your FICO score as well, for a fee.
What it has in it: personal profile (name and all addresses on file you have lived at), credit account history (all credit cards and loans ever taken out with payment history, when on time, when 30-60 or more late, whether still open or closed, what kind-credit or mortage or revolving store card), credit inquiries (when lenders check your credit when you apply for loans,-"hard pull" subtracts a point or 2, or pre-approval credit card offers-"soft pulls"that don't affect your credit, no points to check your own credit report), public records (bankruptcies, liens, delinquincies, etc.).
Most info stays on a long time. Good for credit paid on time, bad for late payments and banruptcies. Neagative info does not go away in 7 tears if still unpaid. It keeps getting reported. Settled bad debt will go off 7-10 years after paid.
Ways to improve your score: keep credit cards you have had for a long time (length of credit helps), don;t take out too much new credit, keep your credit debt balance low, DON'T PAY 30 DAYS LATE ever if possible.
And CHECK YOUR CREDIT REPORT for accuracy. They are sometimes wrong and you can dispute them with online request and by law they have to resolve it in 30 days or take it off.
Go check it out now and good luck!!!
I'm an active investor been around the block-used to have bad credit learned the hard way