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Before you dash off and buy that new home you've been thinking about you should think about improving your credit score. Buying a new home will test your credit more than anything else you will probably do, so a few precautions are in order.

The first thing you should do is get a free copy of your credit report. Any of the three national credit rating agencies are obligated to send you free of charge one annual credit report. All you have to do is ask for it.

When you get your credit report begin to work on shoring up your credit. This can pay off hansomely in a lower interest rate when you buy that new home you're looking for.