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5 Credit Steps for Home Buyers:
1 - Get Your Free Credit Report and Score!
2 - Review your report for errors.
3 - Correct errors on your reports.
4 - Improve your score if it's low.
5 - Apply for a mortgage loan.
Monitor Your Credit Reports:
Federal law is supposed to prevent creditors and collectors from reporting false information to the credit bureaus, but the reality is that bogus collections wind up on credit reports all the time..Read more
How to Establish Credit for the First Time
If you have been paying rent for a while, as you've indicated, you are well on your way to establishing a good credit score ... especially if you've been responsible about paying your rent on time. The same goes for paying utilities (phone, electric, etc.) or anything else that requires regular payments.
Source: http://www.homebuyinginstitute.com
How Do I Build My Credit History?
It's true that you need to build up a good credit score history to get loans, credit cards, mortgages and other types of financing. If you do you not have any credit and are looking for a way to get started off on the right foot, a credit card is the way to go.
Source: http://www.homebuyinginstitute.com
Understanding Credit Reports and Scores in 2009
Understanding how your credit reports work and what they include is a good place to start. This information is used to produce your credit score, and that's what lenders will use (among other things) when considering you for a loan.
Source: http://www.homebuyinginstitute.com
Credit Repair Services

Source: http://www.keystomyhome.org/credit/repairservices/index.asp
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Buying a home for the first time can be overwhelming for a first-time home buyer.
Want to know the status of your credit? Pull a Free Credit Report..
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