Plan ahead and save hundreds of thousands on your mortgage by reviewing your credit report at least 6 months before you start looking for property.
You can pull a FREE credit report at http://wwww.annualcreditreport.com and your score will not drop. This offer is available once a year only. If you need to pull your credit twice or more a year, you can purchase a copy at any of the websites http://experian.com, http://myfico.com.
Do not retrieve a copy a your report through a third party such as mortgage broker or credit agency unless you are sure your score is good to use for applying a loan.
There are a lot of ways to improve your credit score:
-Look for incorrect data of each account and dispute it.
-Make sure your balance is 30%-35% of your credit limit
-Collection, Charge off, bankcrupty, tax lien, late payments, excessive credit inquiries are sometimes fixable.
-Do not recogize your account -- this is probably due to credit theft.
For some cases, I can improve the credit score within 3 days.