NO CREDIT SCORE, NO PROBLEM! Provide FHA opportunities to borrowers without a credit history. Get in touch with us today to learn more. Successful applicant must show: Three documented alternative trade lines, each with a 12-month history, No late payments on rental history, No more than one 30 day late payment to other creditors, such as utility or car insurance payments, No collection accounts, other than medical-related incidents, in the last 12 months, Maximum Debt Ratios: 31/43%.