Checking your credit score
Before getting pre-approved for a mortgage, you should check your own credit report and score.When buying a home, one of the first things Home Buyer should do is to check credit report and scores. Home Buyers credit score is probably the most important piece of information a lender considers when deciding on Home Buyers interest rate, so you want to be sure that everything on your credit report is correct.
Mistakes can hurt your credit score, increasing your rate and monthly payment.
To correct an error, you need to write the credit bureau, describing the problem. The credit agency must investigate the items in question, usually within 30 days. Then they will send confirmation of the corrections.