Your interest rate is a measure of risk. The lower the risk, the better your rate. Your credit score shows the lender just how much of a risk you are. Therefore, one of the very first things you should do when considering buying a home is to review your credit report and make sure it is accurate. Why would you want to pay for someone else’s error over the thirty year life of a loan???
You can get your credit report from any one of the three credit bureau for a fee but you are entitled to a free report each year. You can get the report at www.annualcreditreport.com. The free part is your credit report. You have to pay for the actual score which is probably worthwhile. Each bureau reports differently so scores will vary between them.
Be prepared to have some financial information about the loans that you currently have. The sites will ask you for some basic information on the loan but you might not know the answers off the top of your head. They’ll ask questions like who is your loan through and how much are the payments (principle and interest only). Guess wrong and it will lock you out.