Are you ready to purchase a home?

Do you always pay your rent on time and in full?

Do you always pay your other monthly obligations on time (utilities, loans, credit cards, etc.)?

Have you looked at your credit history recently? (You can receive a free copy of your credit report at www.annualcreditreport.com.)

Do you have any open collections, judgments or tax liens?

Have you filed Bankruptcy in the last four years?