 TITLE: Do Mortgage Companies Run Background Checks? CONTENT: How to Prepare for a Mortgage\n-----------------------------\nIf you're hoping to secure a mortgage in the near future, there are certain steps you can take to increase your odds of getting approved. The following tips can help improve your credit score and put you in a stronger borrowing position:\n*   Pay down your debt.\n*   Bring any delinquent accounts into good standing.\n*   Make your payments on time every month.\n*   Avoid making major purchases or applying for new credit before completing the mortgage application process.\n*   Check your credit report and dispute any fraudulent activity.\nSeeking a less expensive property or saving up a larger down payment can also make you a more attractive loan applicant and save you money on your loan. Similarly, it's usually wise to hold off on making any risky career moves or transitioning to self-employment if you plan on applying for a mortgage in the next two years. END