There are no secrets or shortcuts to getting and keeping good credit scores. Having a better than average representative credit score is the single most important thing you can do to ensure best pricing and access to the most aggressive loan programs.
The US government requires the three major credit repositories (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report annually. However, it does not require the repositories to provide you with your actual scores. To obtain a free copy of the data the repositories are sharing with lenders, visit Annual Credit Report. If you’re serious about purchasing a home within the next 3 months to one year, invest in collecting and monitoring your FICO score and credit report by subscribing to a monitoring service such as myFICO.