this post was submitted on 27 Dec 2025
772 points (98.5% liked)

Greentext

7592 readers
1013 users here now

This is a place to share greentexts and witness the confounding life of Anon. If you're new to the Greentext community, think of it as a sort of zoo with Anon as the main attraction.

Be warned:

If you find yourself getting angry (or god forbid, agreeing) with something Anon has said, you might be doing it wrong.

founded 2 years ago
MODERATORS
Early_To_Risa@sh.itjust.works
772
Anon tries to understand credit scores (sh.itjust.works)
submitted 2 weeks ago by Early_To_Risa@sh.itjust.works to c/greentext@sh.itjust.works
246 comments fedilink hide all child comments
 
you are viewing a single comment's thread
view the rest of the comments
[–] damnedfurry@lemmy.world 1 points 2 weeks ago (1 children)

How do you get a mortgage in the US if you’ve never had ANY credit before?

You could have googled this in less time than it took you to ask the question.

https://www.experian.com/blogs/ask-experian/can-you-get-a-mortgage-with-no-credit/

[–] boonhet@sopuli.xyz 0 points 2 weeks ago

To take part in manual underwriting, you'll need to provide the following information:

  • History of regular housing and other payments to creditors, such as cellphone providers, utility companies and landlords
  • Bank account statements to demonstrate cash savings
  • Two years' worth of tax returns
  • Proof of employment, such as a verification letter from your employer, that applies to the previous two years
  • Prior 30 days' worth of pay stubs
  • Verification of self-employment income, such as tax and other financial documentation
  • Financial and credit information for a cosigner with good credit, if you have one, which could help strengthen your application

That sounds hella invasive. The banks get nowhere near as much info here unless you use a bank you already have an account in, in which case they have access to that account's information. Otherwise standard is 6 months of data.