Your credit report is a history of your financial behaviors and habits. And it’s an essential part of getting pre-approved for a home mortgage loan. In order to be pre-approved for a loan to purchase your house, your credit report and credit score will determine what debts you have and what your track record is like for paying them back. In this video, loan officer Ruby Grynberg talks about what a credit report and score are, who you should allow to pull your credit and when, and why your credit history matters.