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Call it the unintended consequence of debt-free living: with no visible evidence that you've managed credit accounts in the past, mortgage lenders become (rightfully) nervous about your ability to repay on a loan -- there's no history for them to go on.Thankfully, you don't need a traditional credit profile to get mortgage-approved.That could make it tough to find a mortgage lender who will work with you. » MORE: Best lenders for borrowers without high credit scores Even if you have no credit history from a mortgage lender’s point of view, your payment history is out there; it’s just a little harder to locate, making it more difficult for a computer to generate a credit score.For example, Experian, one of the three major credit-reporting agencies, accepts rental payment history information from third-party processors as proof of credit history, but it’s up to your landlord to opt in to the system, says Rod Griffin, Experian’s director of public education.Most people have traditional lines of credit such as credit cards, auto loans or a current mortgage that form a track record of how they manage debt.But if you have no credit history or what’s sometimes called a nontraditional credit history, which is one with no credit card debt or other kinds of loans, it might be harder to establish a set of credit stats.For example, a first-time home buyer may not be able to show the same stable work history that a more experienced buyer can show; and a first-time home buyer not have as much money saved.
We needed a tool to quickly ascertain our customers' problems and provide the best solution.When you click on a Sponsored Product ad, you will be taken to an Amazon detail page where you can learn more about the product and purchase it.To learn more about Amazon Sponsored Products, click here.In order to avoid that rigmarole, you can actually use fake credit numbers instead of your own, and you can do that using the site getcreditcardnumbers.com, which can generate up to 9,999 credit card numbers at a time, or just one. This site merely provides the standard 16 digit credit card number that can be used to bypass certain online forms that only ask for the number.Now, to be completely clear, these numbers cannot be used to purchase any item. The credit card number generator uses a system based off of the Luhn Algorithm, which has been used to validate numbers for decades.