Don't forget that HUD guidelines do not require a borrower to have a credit score. You can use alternative trade lines to establish a min. of 12-mo history to qualify for an FHA loan.
You can use a variety of alternative trade lines such as: rental housing; utilities; telephone service; cable television service; insurance payments (excluding those paid through payroll deductions), such as medical, automobile, life, household, and renter's insurance; payments to child care providers; school tuition; payments to local stores; payments for the uninsured portion of any medical bills; etc.
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