> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/underwriting-borrowers/credit-assessment/non-traditional-credit-report/assessment-of-the-payment-history-for-nontraditional-credit-references.md).

# Assessment of the Payment History for Nontraditional Credit References

For each nontraditional credit reference, the following requirements must be met:

* There cannot be any delinquency on rental/housing payments within the past 12 months.
* Only one account, excluding rental housing payments, can have a 30-day delinquency in the past 12 months.
* No collections (other than medical collections) or judgments have been filed in the past 24 months.
* Judgments, liens, collections, and charge-offs of non-mortgage accounts must be satisfied.

Note: A borrower may lack sufficient credit to obtain a credit score. However, the underwriter must still consider any derogatory credit references that appear on the credit report.