Has my credit score changed yeat?

Installment loans build credit by making the payments over time. You have to pay on installment loans for at least 12 months to do much for your score. If it's been a year, yes these loans have built your credit and improved your score.

It would have been much smarter to have gotten a secured credit card rather than taking out loans just to build credit. The secured card would have required a deposit which would be held as collateral against the line of credit. You use the card for regular purchases, wait for the statement, and pay the balance in full every month. This builds your good payment history and avoids interest. In a year, you would probably qualify for a regular card or be able to convert the secured card to a regular account.

Yes. If you have been paying on a loan for at least 1 year you have generated enough data to have credit reports (assuming the loan reported to all 3 bureaus) and FICO scores.

You can get free reports, by law, once per year here https://www.annualcreditreport.com/cra/index.jsp

The scores they want you to buy are FAKO scores. If you want real FICO scores (the only ones used by lenders) you can get your Equifax & Trans Union scores here http://www.myfico.com/Products/Products.aspx

I signed up for the EQ Score Power & the TU Quarterly monitoring. You may choose something else, or choose nothing. Just thought I'd show you what is available.

Experian won't sell us consumers our FICO scores since Feb of 09. Grrrrrr.

if the lender is reporting the loan to the bureaus, you should have a score. Check all 3 reports.