1. Get Your Credit Report
The first thing you should definitely do is to get a your credit report from the three bureaus. Federal law dictates that you are offered a free credit report once a year. If you already know your FICO score, then a free annual credit report will suffice. However, if you want to know your exact credit score, the free annual report will not give it to you. However, many credit cards offer free monthly credit score and reports.