In some cases having no credit score is better than having bad credit. Many people with no scores can show a history of timely payments for accounts that do not report to the credit bureaus. Most lenders will require 3-5 forms of non-traditional credit. You can obtain a letter from any company you pay a regular monthly payment to such as: electric, water, cable, phone, isp, gas, cell phone, etc. Even other monthly bills you pay for something like a self storage facility can be used.

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