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If you order a copy of your credit report directly from the credit bureau, it's free and doesn't affect your score.
When making a credit approval decision, the most important thing they look at is your total debt ratio.
To calculate that, they look at the limits of all your open credit cards and calculate what the minimum payment would be if you maxed them all out. They add to that whatever other payments you have to make (rent, mortgages, loans, car payments, etc) and then they determine if you'll have enough of your salary left to pay mortgage payments.
So even if your credit score is golden, you probably won't get it unless you can afford to payment.
Job tenure is looked at, but it's not super important. Preferably, one of your last two-three jobs should have been for at least a year.
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