Understand what a credit score represents. This is not a hard thing to figure out.
Relax, Buzz, and take a second to reconsider my point. In no way did I question the value of a credit report; rather, I just found it curious that the subject of children was not the first consideration. This is not a hard thing even for you to figure out, and to do so without being snide, if not unnecessarily condescending. Cheers!