The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer. Therefore, it’s important your credit report reflects a positive image of the way you manage your money. If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve.

Whether you are thinking of buying a home or simply curious about what’s in your credit report, it’s important to correct any errors you discover as soon as possible. You don’t want errors in your credit report affecting your eligibility for credit in the future.

You can visit www.AnnualCreditReport.com to get a free copy of your credit report from the 3 main reporting companies TransUnion, Experian and Equifax. You can receive a free credit report from each company once every 12 months.

The credit report will not include your credit score,  these scores can be purchased separately. It is  important to check your credit report to make sure information is accurate because your credit score is based on the information on your credit report.