Hello Home Buyer
If you haven't already had your credit pulled, then you would need to do so, preferably with your banking institution if they service loans. Or you can also go online and find ways to get free credit reports. Once you have a credit report you can then understand how many points you need. The best way to establish credit, is to start small with credit cards like, Target, or Sams Club, maybe even JC Penny. Once you open up these smaller credit cards, keep a very low balance and this will eventually build your credit. This will take some time, generally 6 to 12 months, but you can save in the meantime while building your credit. Good Luck!