You still have options. Some lenders offer manual underwriting that uses alternative credit data like rent payments, utility bills, and insurance payments. FHA loans specifically allow this. You can also build credit fairly quickly with a secured credit card, a credit-builder loan, or becoming an authorized user on a family member’s account. Many people build a usable score within 6 months.
What if I have no credit history at all in Texas?
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About the Author: Logan Skidmore
With over two decades of deep-rooted experience in the financial and property markets, Logan Skidmore is a powerhouse in the credit restoration industry. As a co-founder of The Credit Repairmen in 2011, Logan has established himself as a preeminent expert in credit score optimization, strategic repair, and the laws that govern the credit and credit repair industries.
His journey into advocacy began with an 8-year tenure as a mortgage loan officer, paired with 22 years of active real estate investing—roles that revealed the critical, often life-changing impact of a healthy credit profile. Driven by the desire to help others navigate the complexities he witnessed firsthand, Logan co-founded his firm to provide elite, law-based solutions that empower clients to reclaim their financial freedom and achieve their homeownership goals.
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