If you are in the market for a mortgage/loan of any type it is critical in todays lending world to have a good FICO score.  May we suggest reading these two articles.

6 Ways to Kill your Credit Score

Know the FICO!

We also recommend that you 'opt out' so that you can put a stop to the flood of credit card offers that appear in your mailbox.  It also raises your credit score by a few points!

www.optoutprescreen.com 

Do you know what's on your credit report?  For a free report and to help you prepare for obtaining a mortgage it's best to start early on any credit repairing that you may need to do.  When you pull your own report it does not count as an inquiry. If you choose to pay to receive your score (it's around 6 dollars) make certain that you choose the FICO scoring.

www.annualcreditreport.com