Take the copy of the report and the credit and how thoroughly. Your credit report is simply to introduce your bill payment history. Do not hide the truth. There may be errors in a credit report; you want to improve relations with retailers. And if you have made the final payment, you must ensure that the right one.  Right your free copy of the report, if your loan or credit card is prohibited. And there are many sites which offer report, or even free if you sign a credit monitoring service is likely to be needed.
Your credit rating is different, more comprehensive assessment of the loan and also Debt free. Your credit rating is not only to report the payment history, but based on the formula that determines the weight of factors such as the Bill as a percentage of loans in payment habits and even the history of the work. This amount is used to evaluate almost every mortgage decision and may be used in one form or another, if the price of life insurance or a car loan or a homeowner. This will add your debt. So you can reduce your outcomes that make you get the lower debt when you can pay it on time as in Debt-free.org.uk. Manage your debt if you can make you free from debt.