: Instead of looking at a FICO score, lenders examine 12–24 months of on-time payments for non-credit bills like rent, utilities, insurance, and cell phone plans.
: The U.S. Department of Housing and Urban Development (HUD) provides specific guidelines for borrowers with "nontraditional credit," allowing them to qualify for FHA loans through manual underwriting.
: In some cases, a seller may agree to "finance" the sale directly, where you make monthly payments to them instead of a bank, bypassing traditional credit checks entirely. Requirements for No-Credit Buyers