A low credit score can cost you thousands of dollars and even keep you from getting a loan at all. Your credit score lenders use to evaluate your risk of being able to repay your loan. And the lower the score the higher your interest rate will be. If you are considering buying a home soon you should check your credit score now so you have time to fix any problems. Start by pulling a free credit report and get your score. If you are above 760 you should be fine. If it is lower than 760 start by looking for any errors in your report. If you find an error work at getting them corrected or pay off account balances. Then do a rapid rescoring which will cost you $100-$300 but will post in a few days. Find a lender that is a customer of a rapid rescoring service.
And if you have time before you are going to start the buying process, pay down your balances on credit cards for a few months and don't close any unused older accounts. Your utilization ratio, your total debt divided by your total available credit, will be better with the unused older account showing as open yet.
Make sure never to pay a bill late and keep your balances low.