Industry News – Want To Buy A House, But Don’t Have A Traditional Credit History?

Industry News - Credit Score

If you lack a credit history report, you may still qualify for a home loan using other alternatives to prove your creditworthiness.


  • Rental history reports
  • Proof of utilities (water, electricity, cable, phone) payments
  • Proof of school tuition payments
  • Proof of non-payroll deducted insurance (auto, renters, medical, life) payments

Typically, at least 4 to 6 of the above credit references are required, and one must be housing-related.  Each credit type must also show at least 12 months of payment history and that all payments were made on time.

National mortgage lender PrimeLending is a name that’s been known for customer care and commitment for three decades.  We’re dedicated to making the home loan process simple, and we offer financing alternatives to make homeownership possible, including non-traditional credit options.

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