It is a good idea to know what is in your credit report before you apply for a mortgage, that way you don't run into any last minute surprises.
By law, the three national credit reporting agencies are required to provide you with a free credit report annually.
You can get yours free here (once per year): www.annualcreditreport.com
If you want to see your approximate credit score, these services are currently free: www.creditkarma.com and wallethub.com.
** Note that there are many other sites that advertise free credit reports online, but these often involve a paid subscription that you get billed for later. AnnualCreditReport.com is the only one sponsored by the credit reporting agencies to fulfill the Fair Credit Reporting Act regulations.
source: myFICO.com
If you have a low credit score, here is some good information on how to clean up your credit yourself:
 http://www.creditinfocenter.com/rebuild/debt_validation.shtml- http://www.creditinfocenter.com/debt/pay-for-delete.shtml
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