Need a mortgage, but not sure about your credit?

If you want to buy a home, but you know there are probably a few dings on your credit report, then you need to stop and take some precautionary steps.

According to an article by Sally Anderson, "Order a copy of your credit record, preferably three months before applying for a loan. You'll see where you stand and have time to clear up errors, which are a common finding, on your record."

The article covers the most important aspects of credit, such as how credit is determined, how to establish credit, as well as how to clean your credit.

Remember, your credit is one of the most important determinants in getting your new mortgage approved. In other words, your credit report can make or break your ability to purchase a new home

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