To examine your credit history, your lender will order a credit report. This document, provided by a credit reporting agency, lists your outstanding debts and contains information about your payment history.
If you do not have traditional forms of credit, such as car loans, student loans, credit card accounts, or the like, you will need to provide other evidence of your ability and willingness to repay debts such as money order receipts or cancelled checks from the payment of rent and utility of bills.
See Review your credit for details.