Your credit score is going to be one of the first issues you face. You can and should check your score once a year. Your mortgage lender is going to be looking for a score of at least 620. The higher your score, the better your chances at the best interest rate.
The Federal Trade Commission says AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that’s yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies Experian, Equifax, and TransUnion every 12 months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, and yet couldn’t get it without paying fees or buying other services. TV ads, email offers, or online search results may tout “free” credit reports, but there is only one authorized source for a truly free credit report.