One of many relative unwanted effects—or part benefits—of becoming and residing debt-free is that you fundamentally have a credit history of zero. If that is you, congratulations! You’re unscorable, and because you’re hidden to credit sharks and credit agencies, you face a distinctive challenge: how will you convince a home loan lender you’re a trusted debtor without a credit history?
It is going to be just a little tough—but don’t lose hope.