Your Credit Score
In most cases, your credit score determines your mortgage interest rate.
You can obtain your credit scores from Experian, Equifax, and Trans Union. In order to get an accurate look at your credit score, you should obtain a copy from each place.
You can find them on http://www.annualcreditreport.com
Credit reports have information about the credit cards you have, if you have had late payments, how late the payments were, companies that have accessed your credit report recently, and an explanation on the positives and negatives that are impacting your score.