ask your mum
no there is no such a way till today originated
Why check your result without the scratch bank? Go to Spring Bank and buy the card, it's only about 400 Naira. Help the system to help you.
www.annualcreditreport.com gets you access to your credit report at each of the three major reporting companies. It is free and you can go there once per year. If you don't have a credit card there...