Long before you ever make loan application to buy your new home, if you suspect there may be something on your credit report that might cause a problem, you should investigate it.
The federal law requires credit bureaus to share this information with you. In most instances, you may receive one in-file report per year at no charge.
Here is the link for the free credit report: https://www.annualcreditreport.com/
It may be difficult to understand, which is why they will send you a booklet explaining their code system. You may want to make an appointment with a credit counselor to answer any specific questions you may have. Just give us a call and we will help you get started.