October 21st is recognized as Get Smart About Your Credit Day. Learning about the key components that make up your credit score and how to improve it is extremely important. Most people start paying attention to their credit score, right around the time that they start looking to buy or build a home. When looking to buy a home, mortgage lenders look at your overall credit score and history to access how much money they will lend you. So, before you start the home buying or building process, you want to make sure your credit is in healthy standing. Here are 9 Steps to Better Credit Before Buying a Home.