[jmjj215]

Granted, I haven't bought a house with this plan. But if you check out a standard fannie mae type of mortgage you'll find that you will get the loan given the facts I mentioned above. It's just manual underwriting. Places don't do manual a lot, which deters people from thinking it's possible to get a loan - but there are places that do it.

As far as for landlords? I've never had a credit check done by a landlord and I've had quite a few of them. Either that's a new development or you found a special landlord. I don't live in a big city - so is that something that landlords in the big city do? Don't you think you'd have a landlord convinced you could pay rent if you provided a letter from your previous landlord saying you had payed on time for the past year? And don't you think the landlord would let you rent if you showed him your personal financial statement? If the landlord didn't let you rent then, then they're just missing an opportunity to have a good renter!

The only reason you need a credit score is to go into debt for things other than a home - I stand by what I said - but look forward to being enlightened at any time!

My one question, what would the employer do if you had no credit score? Is that a bad thing? Why? Because you don't borrow money? I just don't see the logic behind it (and maybe there is no logic behind it?).