When you want to know your credit score, then you will have a look at your credit report. It is this report that has detailed information on your financial history as well as your behaviour. When you look at it, you will be able to tell how credit worthy that you are.
There is some information that you will immediately notice when you look at your credit report. This includes you name, date of birth, address and employment history. Then, all the lenders that you made applications to will be listed. This shall be followed by a list of all the late payments or defaults that you have, any clear outs, linked files, changes in your names, any bankruptcies and so on.
Your credit report starts being generated the very first time that you apply for credit. The lender lets a credit reporting agency who will generate a credit report.