With home purchases on the rise, the first step is to be pre-Qualified with a lender. Just the other day I was sitting with a client who was getting pre-Qualified and he found out that someone was using his credit and opening up different accounts. Checking your credit score on a yearly basis is not only a smart thing but also a safe thing to do. You can go to Credit Karma and get a free credit report to make sure that no one has assumed your hard earned credit. If your credit has been compromised then you can dispute it and get the negative items removed so that you are not blindsided when you can’t qualify for home purchase.