The very first step in doing anything credit related is to check your credit. report. Most people think that checking their credit will hurt their scores, but that’s totally false.
When a lender checks your credit, that’s a hard inquiry an it can hurt your score. But when you check your credit through sources like IdentityIQ or a similar source that’s a soft inquiry and won’t show on your credit or hurt your credit score.
Statistics show that people who regularly monitor their credit and check their scores typically have better credit. Make it a habit to monitor your credit and check your scores by signing up for a subscription through a service like IdentityIQ.