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One of the great things about the financial system is that you can always get direct access to your financial standing at anytime. What that means is that you can obtain a personal credit report for free from all the 3 major credit bureaus at anytime. Within those credit reports, there is a list of all your loan accounts and all open card accounts. Now, usually it will also state balances on your loans, last payments you have made, low and high balances, your credit limits, and the account status of your loans (defaulted, open, etc.). Also, on the last page there is listing of any bankruptcies, accounts in collection, bank liens/loans and other law/court related matters. Keep in mind that these are all negative things about your personal credit report. free credit reports from all 3 bureaus