One of the first things that you should do is to get a copy of your credit report before you buy a home, and it may help make things simpler. Your credit report contains data that is plugged in to software that analyzes it, and the software comes up with a number. You should begin to worry if your credit scores are below 700, and you should really be concerned if your credit scores come up below 620 because that is the point where terms and conditions get really tough for borrowers.